ZIP 86431 Foreclosure, Tax-Lien & Distress Report

In Mohave County, Arizona, ZIP 86431 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. Latent structural risk is 70/100 while live distress already moving reads 0/100. Climate and flood risk are elevated too — climate & FEMA risk (93/100), flood (NFIP) exposure (87/100). The pressure is most legible in construction/permit lag (100/100), structural risk (70/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, 1.9% off the recent peak (phase confidence 4/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 167 with a median age of 76. The poverty rate is 6.0% — low. The typical home is worth about $76,900 (3.5× income, relatively affordable). Median household income is $36,979, below the U.S. median near $78,000. Owners hold 78% of homes, renters 22%. The vacancy rate is 37.8% — elevated. About 7% have a four-year degree. The ZIP holds roughly 116 housing units. Around 100% of renters are cost-burdened. On demographic stress specifically, 86431 scores 42/100.

Net-net, 86431 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 86431 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 86431 read uses the identical public-record model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 86431 stays directly comparable to neighboring ZIPs and the rest of Mohave County, Arizona. Where the public record is thin for 86431, the field stays empty rather than modeled, and fills in as new documents post.

86431's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 86431 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.