ZIP 87413 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 87413 (San Juan County, New Mexico) returns a low composite of 28/100. Its heaviest discrete signals: structural risk (61/100), construction/permit lag (49/100), institutional ownership (43/100). mortgage stress (20/100) stay muted. The latent-versus-live split is 61/100 structural and 6/100 already moving. Climate and flood risk are elevated too — 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 27% higher over three years, at 41/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 33/100. Home values center near $176,000, an affordability ratio of 3.5× — accessible. The poverty rate is 21.9% — high, a tax-stress and distress correlate. 14,966 residents call 87413 home, typically aged 32. Median household income is $51,234, below the U.S. median near $78,000. About 14% have a four-year degree. Rent burden reaches 30% of tenant households. 74% of housing is owner-occupied. The ZIP holds roughly 5,538 housing units. The vacancy rate is 13.0% — elevated.

On the whole, 87413 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.

The 87413 read uses the identical public-record model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 87413 stays directly comparable to neighboring ZIPs and the rest of San Juan County, New Mexico. Nothing here is interpolated — where a source is thin for 87413, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 28/100 for 87413 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 87413 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.