ZIP 86544 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 86544 in Apache County, Arizona comes in at 20, a low composite-distress reading. The sharpest non-environmental signals are 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). Latent structural risk is 43/100 while live distress already moving reads 5/100. It additionally carries heavy environmental risk: climate & FEMA risk (70/100).

The peak-phase market in 86544 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.

The vacancy rate is 27.7% — elevated. Around 54% of renters are cost-burdened. The poverty rate is 36.4% — high, a tax-stress and distress correlate. About 1,587 people live here, median age 38. The typical home is worth about $47,000 (2.1× income, relatively affordable). About 6% have a four-year degree. The demographic-stress sub-score lands at 37/100. Owners hold 84% of homes, renters 16%. Median household income is $23,295, below the U.S. median near $78,000. There are about 641 housing units across 86544.

Net-net, 86544 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 86544's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 86544, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 86544 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 20/100 roll-up. Practically, 86544 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.