ZIP 92866 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 92866 (Orange County, California) at a low 27/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (86/100). Structural risk reads 62/100 against active distress of 2/100. Its heaviest discrete signals: construction/permit lag (63/100), structural risk (62/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low.

The peak-phase market in 92866 posted values that held roughly flat over the year, and 27% higher over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.

Around 47% of renters are cost-burdened. Roughly 12.6% live below the poverty line. Around 31% of adults hold a bachelor's degree or higher. 14,776 residents call 92866 home, typically aged 37. DLRadar's demographic-stress index for the area reads 54/100. Home values center near $922,400, an affordability ratio of 10.7× — stretched. Median household income is $83,776, near the U.S. median near $78,000. The tenure split is 34% owner-occupied to 66% rented. The vacancy rate is 6.7%. There are about 6,010 housing units across 92866.

Net-net, 92866 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 92866 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 92866 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 92866 reflects the current record instead of a stale or modeled snapshot.

92866's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 92866 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.