ZIP 96781 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 96781 in Hawaii County, Hawaii comes in at 36, a moderate composite-distress reading. Its standout signals are structural risk (79/100), institutional ownership (67/100), construction/permit lag (55/100). By contrast, mortgage stress (11/100) register low. Environmental exposure also runs high (climate & FEMA risk (98/100), FEMA disaster exposure (89/100), flood (NFIP) exposure (88/100)). The latent-versus-live split is 79/100 structural and 3/100 already moving.

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, at 61/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The vacancy rate is 23.5% — elevated. Rent burden reaches 34% of tenant households. The poverty rate is 9.6%. Around 24% of adults hold a bachelor's degree or higher. Households earn a median $94,083 — above the roughly $78,000 national figure. The typical home is worth about $828,500 (8.4× income, severely stretched). Owners hold 83% of homes, renters 17%. 1,993 residents call 96781 home, typically aged 46. The demographic-stress sub-score lands at 45/100. There are about 900 housing units across 96781.

On the whole, 96781 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 96781 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 96781 runs through one identical public-record model, so its 36/100 sits on the same scale as every other ZIP in Hawaii County, Hawaii and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 96781 shows blanks, not estimates, wherever the record is sparse.

Behind 96781's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 96781 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.