ZIP 96704 Foreclosure, Tax-Lien & Distress Report

In Hawaii County, Hawaii, ZIP 96704 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Structural exposure scores 79 and live distress 3 on the 0–100 scale. Its standout signals are structural risk (79/100), institutional ownership (67/100), construction/permit lag (55/100). mortgage stress (11/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), FEMA disaster exposure (89/100), flood (NFIP) exposure (88/100).

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, and 2% lower over three years (phase confidence 61/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 7,975 with a median age of 49. The vacancy rate is 23.4% — elevated. A median home runs $662,200 here, or 6.1 times local income. 14.8% of residents fall below the poverty threshold. The ZIP holds roughly 3,351 housing units. Median household income is $95,492, above the U.S. median near $78,000. The tenure split is 72% owner-occupied to 28% rented. About 34% have a four-year degree. DLRadar's demographic-stress index for the area reads 40/100. Rent burden reaches 40% of tenant households.

Net-net, 96704 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 96704 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 96704's 36/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 96704 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

96704's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 96704 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.