ZIP 87031 Foreclosure, Tax-Lien & Distress Report

Valencia County, New Mexico's ZIP 87031 registers 29/100 composite distress, which DLRadar reads as low. Leading the profile are structural risk (62/100), construction/permit lag (58/100), institutional ownership (55/100). By contrast, mortgage stress (22/100) register low. The split runs 62/100 structural to 6/100 active on the ground. Climate and flood risk are elevated too — FEMA disaster exposure (91/100), climate & FEMA risk (80/100).

The peak-phase market in 87031 posted values that rose 2.1% over the year, and 25% higher over three years, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 41% of renters are cost-burdened. Home values center near $229,500, an affordability ratio of 3.3× — accessible. The vacancy rate is 10.2%. On demographic stress specifically, 87031 scores 32/100. At $61,947, median income runs below typical U.S. levels. The ZIP holds roughly 17,380 housing units. 18.3% of residents fall below the poverty threshold. Owners hold 81% of homes, renters 19%. About 21% have a four-year degree. 46,211 residents call 87031 home, typically aged 37.

Overall, 87031 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 87031 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 87031 runs through one identical public-record model, so its 29/100 sits on the same scale as every other ZIP in Valencia County, New Mexico and the nation. Where the public record is thin for 87031, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 87031 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. The point of the 87031 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.