ZIP 96712 Property Distress & Foreclosure Data

Composite property distress in 96712 (Honolulu County, Hawaii) lands at 33/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (74/100), construction/permit lag (62/100), institutional ownership (52/100). On the quiet end sit mortgage stress (20/100). Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (80/100), FEMA disaster exposure (64/100)). The latent-versus-live split is 74/100 structural and 6/100 already moving.

The peak-phase market in 96712 posted values that held roughly flat over the year, 2.1% off the recent peak, and 23% higher over three years (phase confidence 17/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 52/100. 11.5% of residents fall below the poverty threshold. Median household income is $97,771, above the U.S. median near $78,000. The vacancy rate is 11.0%. Around 37% of renters are cost-burdened. Home values center near $1,400,100, an affordability ratio of 12.9× — stretched. Educational attainment sits at 28% bachelor's-or-above. Population is roughly 8,099 with a median age of 41. The ZIP holds roughly 3,218 housing units. Owners hold 52% of homes, renters 48%.

On balance 96712 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.