ZIP 86538 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 86538 (Apache County, Arizona) lands at 20/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (70/100)). Its heaviest discrete signals: 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 risk reads 43/100 against active distress of 5/100.

The peak-phase market in 86538 posted values that rose 1.5% over the year (phase confidence 24/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,545 residents call 86538 home, typically aged 34. Roughly 45.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. A median home runs $45,600 here, or 2.2 times local income. Owners hold 76% of homes, renters 24%. Median household income is $25,234, below the U.S. median near $78,000. Around 13% of adults hold a bachelor's degree or higher. The vacancy rate is 23.6% — elevated. Around 13% of renters are cost-burdened. The ZIP holds roughly 726 housing units. DLRadar's demographic-stress index for the area reads 32/100.

On the whole, 86538 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 86538 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 86538 reflects the current record instead of a stale or modeled snapshot.

Behind 86538'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. Treat 86538 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.