ZIP 86503 Foreclosure, Tax-Lien & Distress Report

ZIP code 86503 in Apache County, Arizona carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 45/100 against active distress of 5/100. Climate and flood risk are elevated too — climate & FEMA risk (71/100). Leading the profile are construction/permit lag (50/100), structural risk (45/100), institutional ownership (28/100). institutional ownership (28/100) and mortgage stress (17/100) stay muted.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, at 23/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $37,800 (1.3× income, relatively affordable). 73% of housing is owner-occupied. About 10,122 people live here, median age 35. DLRadar's demographic-stress index for the area reads 29/100. Households earn a median $30,313 — below the roughly $78,000 national figure. There are about 3,966 housing units across 86503. Vacancy runs 18.7%, above the national norm and a classic distress-and-opportunity signal. Roughly 36.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 13% have a four-year degree. Around 22% of renters are cost-burdened.

Taken together, 86503 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 86503 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 86503 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 86503 stays directly comparable to neighboring ZIPs and the rest of Apache County, Arizona. 86503 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 86503 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. Treat 86503 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.