ZIP 89509 Foreclosure, Tax-Lien & Distress Report

ZIP code 89509 in Washoe County, Nevada carries a composite property-distress score of 37/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (99/100), climate & FEMA risk (97/100), flood (NFIP) exposure (72/100)). Structural exposure scores 82 and live distress 8 on the 0–100 scale. The sharpest non-environmental signals are structural risk (82/100), construction/permit lag (73/100), institutional ownership (69/100). On the quiet end sit mortgage stress (26/100).

The market reads peak — home values rose 3.2% year on year, and 11% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

53% of housing is owner-occupied. Rent burden reaches 40% of tenant households. Roughly 8.2% live below the poverty line. About 50% have a four-year degree. There are about 18,256 housing units across 89509. About 35,877 people live here, median age 42. Vacancy runs 8.1%. DLRadar's demographic-stress index for the area reads 43/100. Median household income is $81,751, near the U.S. median near $78,000. Home values center near $703,700, an affordability ratio of 8.2× — stretched.

On balance 89509 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 89509 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 89509 read uses the identical public-record model applied coast to coast, which means its 37/100 score means exactly what it means anywhere else, and 89509 stays directly comparable to neighboring ZIPs and the rest of Washoe County, Nevada. 89509 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 37/100 figure for 89509 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, 89509 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.