ZIP 86510 Foreclosure, Tax-Lien & Distress Report
Navajo County, Arizona · High Vacancy market
On DLRadar's 0-100 distress scale, ZIP 86510 in Navajo County, Arizona comes in at 23, a low composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (84/100). Its heaviest discrete signals: construction/permit lag (68/100), structural risk (52/100), institutional ownership (12/100). institutional ownership (12/100) and mortgage stress (11/100) stay muted. The latent-versus-live split is 52/100 structural and 3/100 already moving.
The market reads peak — home values held roughly flat year on year, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
3,843 residents call 86510 home, typically aged 38. Home values center near $80,600, an affordability ratio of 3.8× — accessible. Households earn a median $27,051 — below the roughly $78,000 national figure. Roughly 46.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 79% of housing is owner-occupied. Vacancy runs 19.8%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 37/100. The ZIP holds roughly 1,988 housing units. Around 9% of adults hold a bachelor's degree or higher. Around 16% of renters are cost-burdened.
Net-net, 86510 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 86510 is not published yet -- the ZIP-level readings above remain fully sourced.
The number is not local guesswork: 86510's 23/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 86510, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Behind 86510's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 86510 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 86510 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 86510 by the numbers
Current distress, phase, housing and lender-pressure figures for 86510, drawn from the same report attached to each property.
Adjacent Navajo County ZIP reports
Nearest ZIP codes to 86510
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Navajo County, Arizona
Keep going: ZIP, county and state distress coverage for Navajo County, Arizona.
See every distressed parcel in 86510
See who owns each distressed property in 86510, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology