ZIP 96731 Foreclosure, Tax-Lien & Distress Report

ZIP code 96731 in Honolulu County, Hawaii carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (92/100), FEMA disaster exposure (71/100). Its standout signals are structural risk (73/100), institutional ownership (59/100), construction/permit lag (43/100). On the quiet end sit mortgage stress (20/100). The split runs 73/100 structural to 6/100 active on the ground.

The expansion-phase market in 96731 posted values that rose 10.8% over the year, and 19% higher over three years (phase confidence 100/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $916,700, an affordability ratio of 11.1× — stretched. Vacancy runs 38.7%, above the national norm and a classic distress-and-opportunity signal. About 2,827 people live here, median age 28. 63% of housing is owner-occupied. Around 34% of adults hold a bachelor's degree or higher. The poverty rate is 11.3%. Around 47% of renters are cost-burdened. The demographic-stress sub-score lands at 55/100. The ZIP holds roughly 1,294 housing units. At $73,393, median income runs near typical U.S. levels.

Taken together, 96731 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 96731 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 96731 runs through one identical public-record model, so its 33/100 sits on the same scale as every other ZIP in Honolulu County, Hawaii and the nation. Nothing here is interpolated — where a source is thin for 96731, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 33/100 figure for 96731 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 96731 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.