ZIP 87412 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 87412 (Rio Arriba County, New Mexico) lands at 23/100 — low on DLRadar's public-record scoring. Structurally it carries 50/100, against 5/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (78/100). What sets it apart are the readings on structural risk (50/100), construction/permit lag (49/100), institutional ownership (32/100). On the quiet end sit institutional ownership (32/100) and mortgage stress (17/100).

The market reads peak — home values rose 3.3% year on year (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

1,422 residents call 87412 home, typically aged 58. The ZIP holds roughly 451 housing units. Home values center near $129,800, an affordability ratio of 2.4× — accessible. Roughly 53.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 19.9%, above the national norm and a classic distress-and-opportunity signal. Around 0% of renters are cost-burdened. The tenure split is 91% owner-occupied to 9% rented. Around 19% of adults hold a bachelor's degree or higher. On demographic stress specifically, 87412 scores 30/100. Households earn a median $50,125 — below the roughly $78,000 national figure.

On the whole, 87412 leans distressed, with opportunity clustered in specific stressed parcels. While 87412 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 87412 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 87412 stays directly comparable to neighboring ZIPs and the rest of Rio Arriba County, New Mexico. Sparse data for 87412 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 23/100 figure for 87412 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 87412 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.