ZIP 86540 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 86540 (Apache County, Arizona) at a low 20/100 for overall property distress. The most distinctive pressure shows up in construction/permit lag (46/100), structural risk (43/100), institutional ownership (28/100). By contrast, institutional ownership (28/100) and mortgage stress (18/100) register low. Latent structural risk is 43/100 while live distress already moving reads 5/100. Climate and flood risk are elevated too — climate & FEMA risk (70/100).

The market reads peak — home values rose 1.5% year on year, at 24/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 76% owner-occupied to 24% rented. The poverty rate is 52.8% — high, a tax-stress and distress correlate. Median household income is $24,286, below the U.S. median near $78,000. The vacancy rate is 30.9% — elevated. A median home runs $30,500 here, or 1.1 times local income. Around 6% of adults hold a bachelor's degree or higher. Around 45% of renters are cost-burdened. The ZIP holds roughly 473 housing units. On demographic stress specifically, 86540 scores 37/100. About 1,087 people live here, median age 28.

Net-net, 86540 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 86540 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 86540 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 86540 can be compared directly against any other ZIP in Apache County, Arizona or nationwide. Where the public record is thin for 86540, the field stays empty rather than modeled, and fills in as new documents post.

Behind 86540'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 86540 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.