ZIP 86520 Foreclosure, Tax-Lien & Distress Report

In Apache County, Arizona, ZIP 86520 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (73/100). The split runs 48/100 structural to 5/100 active on the ground. What sets it apart are the readings on construction/permit lag (60/100), structural risk (48/100), institutional ownership (25/100). On the quiet end sit institutional ownership (25/100) and mortgage stress (16/100).

Prices here sit in a peak phase: values rose 1.3% over the trailing year, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

Roughly 51.1% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 90% owner-occupied to 10% rented. Households earn a median $15,160 — below the roughly $78,000 national figure. Rent burden reaches 11% of tenant households. Population is roughly 2,185 with a median age of 33. Around 5% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 38/100. Home values center near $55,800, an affordability ratio of 4.0×. Vacancy runs 24.8%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,078 housing units.

On the whole, 86520 leans distressed, with opportunity clustered in specific stressed parcels. While 86520 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: 86520's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 86520 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 86520 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. The point of the 86520 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.