ZIP 89801 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 89801 (Elko County, Nevada) at a minimal 14/100 for overall property distress. Structural risk reads 28/100 against active distress of 1/100. Leading the profile are structural risk (28/100), mortgage stress (3/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and construction/permit lag (2/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (88/100).

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 8% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 66% of homes, renters 34%. 10.2% of residents fall below the poverty threshold. Home values center near $294,500, an affordability ratio of 3.3× — accessible. The ZIP holds roughly 10,749 housing units. Vacancy runs 9.1%. Rent burden reaches 29% of tenant households. About 26,070 people live here, median age 35. DLRadar's demographic-stress index for the area reads 30/100. Around 16% of adults hold a bachelor's degree or higher. Households earn a median $83,777 — near the roughly $78,000 national figure.

Net-net, 89801 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 89801 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 89801's 14/100 can be lined up against any neighbor in Elko County, Nevada or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 89801, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 89801's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 89801 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.