ZIP 86322 Foreclosure, Tax-Lien & Distress Report

ZIP 86322's composite property-distress score is 28/100 - DLRadar classes that as low for Yavapai County, Arizona. The sharpest non-environmental signals are construction/permit lag (83/100), structural risk (63/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (74/100). The latent-versus-live split is 63/100 structural and 2/100 already moving.

The market reads contraction — home values fell 2.2% year on year, 3.4% off the recent peak, and 11% higher over three years (phase confidence 46/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The vacancy rate is 8.7%. The poverty rate is 22.0% — high, a tax-stress and distress correlate. Population is roughly 12,885 with a median age of 43. Rent burden reaches 44% of tenant households. About 20% have a four-year degree. Owners hold 76% of homes, renters 24%. DLRadar's demographic-stress index for the area reads 38/100. A median home runs $323,500 here, or 5.0 times local income. Median household income is $59,018, below the U.S. median near $78,000. The ZIP holds roughly 5,287 housing units.

On the whole, 86322 leans distressed, with opportunity clustered in specific stressed parcels. 86322 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 86322 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 86322 shows blanks, not estimates, wherever the record is sparse.

Each component behind 86322 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. For a buyer, 86322 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.