ZIP 86505 Foreclosure, Tax-Lien & Distress Report

ZIP code 86505 in Apache County, Arizona carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. The split runs 49/100 structural to 5/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (73/100)). Its heaviest discrete signals: construction/permit lag (63/100), structural risk (49/100), institutional ownership (26/100). By contrast, institutional ownership (26/100) and mortgage stress (16/100) register low.

Prices here sit in a peak phase: values rose 1.3% over the trailing year, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

6,978 residents call 86505 home, typically aged 33. The typical home is worth about $36,700 (1.3× income, relatively affordable). There are about 2,816 housing units across 86505. Vacancy runs 29.1%, above the national norm and a classic distress-and-opportunity signal. Median household income is $26,897, below the U.S. median near $78,000. About 11% have a four-year degree. 83% of housing is owner-occupied. Around 15% of renters are cost-burdened. Roughly 41.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 86505 scores 30/100.

Net-net, 86505 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 86505 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 86505's 22/100 can be lined up against any neighbor in Apache County, Arizona or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 86505 reflects the current record instead of a stale or modeled snapshot.

The 22/100 figure for 86505 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 86505 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.