ZIP 86535 Foreclosure, Tax-Lien & Distress Report

In Apache County, Arizona, ZIP 86535 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in construction/permit lag (46/100), structural risk (43/100), institutional ownership (28/100). On the quiet end sit institutional ownership (28/100) and mortgage stress (18/100). Structural exposure scores 43 and live distress 5 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (70/100).

Prices here sit in a peak phase: values rose 1.5% over the trailing year, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $50,300 (1.9× income, relatively affordable). The tenure split is 96% owner-occupied to 4% rented. About 1,116 people live here, median age 35. The ZIP holds roughly 403 housing units. Median household income is $22,981, below the U.S. median near $78,000. Vacancy runs 15.6%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 6% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 31/100. Roughly 37.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Net-net, 86535 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 86535 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: 86535's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 86535 shows blanks, not estimates, wherever the record is sparse.

Behind 86535'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 86535 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.