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Where stress is building, how the cycle is turning, and what is live now.

ZIP 86514 Foreclosure, Tax-Lien & Distress Report

Apache County, Arizona · High Vacancy market

DLRadar grades ZIP 86514 (Apache County, Arizona) at a low 20/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (63/100). The sharpest non-environmental signals are construction/permit lag (47/100), structural risk (42/100), institutional ownership (31/100). institutional ownership (31/100) and mortgage stress (18/100) stay muted. Structural exposure scores 42 and live distress 5 on the 0–100 scale.

The market reads peak — home values rose 1.5% year on year, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $73,300 here, or 1.6 times local income. The vacancy rate is 31.0% — elevated. About 2,762 people live here, median age 33. Rent burden reaches 13% of tenant households. There are about 1,087 housing units across 86514. About 11% have a four-year degree. Median household income is $44,722, below the U.S. median near $78,000. On demographic stress specifically, 86514 scores 30/100. The tenure split is 68% owner-occupied to 32% rented. The poverty rate is 30.4% — high, a tax-stress and distress correlate.

Net-net, 86514 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 86514 at the moment; the composite and its components are still built from verifiable public records.

The 86514 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 86514 stays directly comparable to neighboring ZIPs and the rest of Apache County, Arizona. 86514 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 20/100 for 86514 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 86514 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.

20/100
Composite stress
42/100
Structural risk
5/100
Distress activity

Signal-by-signal read on 86514

Foreclosure activity0
Mortgage stress18
Climate / FEMA risk63
Nine more distress signals are scored here

Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.

Snapshot: 86514 by the numbers

Real-time distress, cycle phase, housing and bank-stress readings for 86514, the same set carried on every parcel.

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Neighbouring ZIPs in Apache County

More distress data near 86514

More ZIP, county and state distress intelligence connected to Apache County, Arizona.

The complete 86514 distress and acquisition report

See who owns each distressed property in 86514, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.

Rules-based scoring — each signal ties to a public dataset · methodology

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