ZIP 86515 Foreclosure, Tax-Lien & Distress Report

ZIP code 86515 in Apache County, Arizona carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. Environmental exposure also runs high (climate & FEMA risk (70/100)). The split runs 51/100 structural to 2/100 active on the ground. What sets it apart are the readings on construction/permit lag (72/100), structural risk (51/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted.

Prices here sit in a peak phase: values rose 1.9% over the trailing year (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

The tenure split is 52% owner-occupied to 48% rented. Roughly 32.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. At $43,152, median income runs below typical U.S. levels. Vacancy runs 23.7%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 86515 scores 28/100. Around 20% of adults hold a bachelor's degree or higher. Rent burden reaches 5% of tenant households. Population is roughly 3,198 with a median age of 37. The typical home is worth about $57,100 (1.3× income, relatively affordable). There are about 1,443 housing units across 86515.

Taken together, 86515 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 86515 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 86515's 22/100 can be lined up against any neighbor in Apache County, Arizona or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 86515, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 86515'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. For an operator, 86515 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.