ZIP 87521 Foreclosure, Tax-Lien & Distress Report

In Rio Arriba County, New Mexico, ZIP 87521 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in construction/permit lag (67/100), structural risk (46/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (13/100). Structural risk reads 46/100 against active distress of 4/100. Climate and flood risk are elevated too — climate & FEMA risk (73/100).

The peak-phase market in 87521 posted values that rose 1.9% over the year (phase confidence 24/100). Topping markets hide individual distress behind strong averages.

14.2% of residents fall below the poverty threshold. Around 18% of renters are cost-burdened. The tenure split is 88% owner-occupied to 12% rented. About 16% have a four-year degree. Vacancy runs 18.0%, above the national norm and a classic distress-and-opportunity signal. There are about 497 housing units across 87521. At $38,983, median income runs below typical U.S. levels. On demographic stress specifically, 87521 scores 32/100. Population is roughly 846 with a median age of 63. The typical home is worth about $218,600 (4.8× income).

On the whole, 87521 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 87521 at the moment; the composite and its components are still built from verifiable public records.

The 87521 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 87521 stays directly comparable to neighboring ZIPs and the rest of Rio Arriba County, New Mexico. Where the public record is thin for 87521, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 figure for 87521 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. For an operator, 87521 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.