ZIP 87746 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 87746 (San Miguel County, New Mexico) at a low 15/100 for overall property distress. Structural risk reads 35/100 against active distress of 3/100. Environmental exposure also runs high (flood (NFIP) exposure (78/100), climate & FEMA risk (64/100)). What sets it apart are the readings on structural risk (35/100), institutional ownership (18/100), mortgage stress (10/100). By contrast, institutional ownership (18/100) and mortgage stress (10/100) register low.

The market reads peak — home values rose 1.9% year on year (phase confidence 24/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $100,577, median income runs above typical U.S. levels. Vacancy runs 3.7%. The poverty rate is 0.7% — low. 142 residents call 87746 home, typically aged 50. Around 8% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 22/100. The typical home is worth about $206,800 (2.1× income, relatively affordable). 83% of housing is owner-occupied. There are about 50 housing units across 87746.

On balance 87746 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 87746 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 87746 runs through one identical public-record model, so its 15/100 sits on the same scale as every other ZIP in San Miguel County, New Mexico and the nation. 87746 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 87746 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 15/100 roll-up. The point of the 87746 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.