ZIP 86512 Foreclosure, Tax-Lien & Distress Report
Apache County, Arizona · High Vacancy market
In Apache County, Arizona, ZIP 86512 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (70/100). Its heaviest discrete signals: construction/permit lag (46/100), structural risk (43/100), institutional ownership (28/100). institutional ownership (28/100) and mortgage stress (18/100) stay muted. Structural exposure scores 43 and live distress 5 on the 0–100 scale.
The market reads peak — home values rose 1.5% year on year (phase confidence 24/100). Topping markets hide individual distress behind strong averages.
Population is roughly 2,391 with a median age of 33. Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal. A median home runs $76,300 here, or 2.4 times local income. Around 9% of renters are cost-burdened. Owners hold 67% of homes, renters 33%. About 5% have a four-year degree. The poverty rate is 41.4% — high, a tax-stress and distress correlate. Households earn a median $31,602 — below the roughly $78,000 national figure. The ZIP holds roughly 937 housing units. The demographic-stress sub-score lands at 32/100.
Net-net, 86512 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 86512 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 86512's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 86512, the field stays empty rather than modeled, and fills in as new documents post.
86512'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, 86512 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 86512’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 86512 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 86512, the same set carried on every parcel.
Nearby ZIPs in Apache County
More distress data near 86512
Further distress data across Apache County, Arizona at ZIP, county and state level.
Unlock parcel-level detail for ZIP 86512
Every distressed parcel in 86512 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Deterministic scoring, sourced entirely from public data · methodology