ZIP 96740 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 96740 (Hawaii County, Hawaii) lands at 36/100 — moderate on DLRadar's public-record scoring. Latent structural risk is 79/100 while live distress already moving reads 3/100. Its heaviest discrete signals: 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 17% higher over three years, at 61/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 26.0% — elevated. The demographic-stress sub-score lands at 44/100. Owners hold 71% of homes, renters 29%. The poverty rate is 12.5%. There are about 18,967 housing units across 96740. At $94,091, median income runs above typical U.S. levels. A median home runs $760,600 here, or 7.8 times local income. About 35% have a four-year degree. About 40,805 people live here, median age 43. Rent burden reaches 35% of tenant households.

Net-net, 96740 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 96740 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 96740 read uses the identical public-record model applied coast to coast, which means its 36/100 score means exactly what it means anywhere else, and 96740 stays directly comparable to neighboring ZIPs and the rest of Hawaii County, Hawaii. Every figure is auditable to a public dataset and refreshed on ingest; 96740 shows blanks, not estimates, wherever the record is sparse.

Each component behind 96740 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 36/100 roll-up. For a buyer, 96740 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.