ZIP 87034 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 87034 (Cibola County, New Mexico) returns a minimal composite of 13/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100). The sharpest non-environmental signals are structural risk (31/100), institutional ownership (19/100), mortgage stress (12/100). By contrast, institutional ownership (19/100) and mortgage stress (12/100) register low. Structural risk reads 31/100 against active distress of 3/100.

The market reads peak — home values rose 1.1% year on year (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 3,044 with a median age of 43. Households earn a median $48,359 — below the roughly $78,000 national figure. Home values center near $82,500, an affordability ratio of 1.6× — accessible. 95% of housing is owner-occupied. The ZIP holds roughly 1,299 housing units. Educational attainment sits at 10% bachelor's-or-above. Around 0% of renters are cost-burdened. Roughly 19.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 34.4% — elevated. On demographic stress specifically, 87034 scores 24/100.

On the whole, 87034 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.

Whether 87034 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 87034 can be compared directly against any other ZIP in Cibola County, New Mexico or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 87034 shows blanks, not estimates, wherever the record is sparse.

Behind 87034'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. Practically, 87034 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.