ZIP 89815 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 89815 (Elko County, Nevada) lands at 16/100 — low on DLRadar's public-record scoring. What sets it apart are the readings on structural risk (33/100), construction/permit lag (24/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). Latent structural risk is 33/100 while live distress already moving reads 1/100. Climate and flood risk are elevated too — climate & FEMA risk (88/100).

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 20% higher over three years, at 16/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $351,100 here, or 3.0 times local income. DLRadar's demographic-stress index for the area reads 29/100. Rent burden reaches 48% of tenant households. Around 23% of adults hold a bachelor's degree or higher. Households earn a median $103,691 — above the roughly $78,000 national figure. Vacancy runs 5.4%. 89% of housing is owner-occupied. 15,707 residents call 89815 home, typically aged 35. 10.4% of residents fall below the poverty threshold. There are about 5,693 housing units across 89815.

Net-net, 89815 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 89815 runs through one identical public-record model, so its 16/100 sits on the same scale as every other ZIP in Elko County, Nevada and the nation. The score is rebuilt from public data as it updates, so 89815 reflects the current record instead of a stale or modeled snapshot.

Behind 89815'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, 89815 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.