ZIP 87401 Foreclosure, Tax-Lien & Distress Report

ZIP code 87401 in San Juan County, New Mexico carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 61/100 structural and 6/100 already moving. Property-level stress concentrates in structural risk (61/100), construction/permit lag (49/100), institutional ownership (43/100). On the quiet end sit mortgage stress (20/100). Environmental exposure also runs high (climate & FEMA risk (85/100), flood (NFIP) exposure (66/100)).

The market reads expansion — home values rose 6.7% year on year, 2.4% off the recent peak, and 26% higher over three years, at 41/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The tenure split is 62% owner-occupied to 38% rented. At $56,358, median income runs below typical U.S. levels. The typical home is worth about $215,300 (3.6× income, relatively affordable). DLRadar's demographic-stress index for the area reads 35/100. About 45,020 people live here, median age 37. Rent burden reaches 39% of tenant households. The vacancy rate is 11.2%. About 20% have a four-year degree. There are about 18,067 housing units across 87401. Roughly 24.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 87401 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 87401 at the moment; the composite and its components are still built from verifiable public records.

Whether 87401 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 87401 can be compared directly against any other ZIP in San Juan County, New Mexico or nationwide. Nothing here is interpolated — where a source is thin for 87401, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

87401's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 87401 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.