ZIP 91786 Foreclosure, Tax-Lien & Distress Report

San Bernardino County, California's ZIP 91786 registers 34/100 composite distress, which DLRadar reads as moderate. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (90/100), FEMA disaster exposure (71/100)). Latent structural risk is 75/100 while live distress already moving reads 7/100. Property-level stress concentrates in structural risk (75/100), institutional ownership (58/100), construction/permit lag (53/100). On the quiet end sit mortgage stress (24/100).

The peak-phase market in 91786 posted values that held roughly flat over the year, and 14% higher over three years, at 16/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

At $86,961, median income runs near typical U.S. levels. On demographic stress specifically, 91786 scores 44/100. 10.8% of residents fall below the poverty threshold. Around 30% of adults hold a bachelor's degree or higher. Population is roughly 55,519 with a median age of 35. Owners hold 45% of homes, renters 55%. Vacancy runs 3.4%. A median home runs $641,600 here, or 7.0 times local income. Around 45% of renters are cost-burdened. The ZIP holds roughly 20,193 housing units.

On balance 91786 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 91786 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 91786 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 34/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 91786, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 91786 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 34/100 roll-up. In workflow terms, 91786 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.