ZIP 86409 Property Distress & Foreclosure Data

ZIP code 86409 in Mohave County, Arizona carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (87/100). The latent-versus-live split is 64/100 structural and 3/100 already moving. What sets it apart are the readings on construction/permit lag (76/100), structural risk (64/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (10/100) register low.

The market reads peak — home values held roughly flat year on year, and 5% higher over three years (phase confidence 17/100). Topping markets hide individual distress behind strong averages.

The typical home is worth about $204,300 (3.5× income, relatively affordable). The poverty rate is 21.2% — high, a tax-stress and distress correlate. Around 13% of adults hold a bachelor's degree or higher. Around 31% of renters are cost-burdened. At $48,499, median income runs below typical U.S. levels. The ZIP holds roughly 14,880 housing units. About 30,868 people live here, median age 48. 70% of housing is owner-occupied. The demographic-stress sub-score lands at 32/100. The vacancy rate is 7.2%.

Net-net, 86409 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.