ZIP 96785 Foreclosure, Tax-Lien & Distress Report

In Hawaii County, Hawaii, ZIP 96785 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Property-level stress concentrates in structural risk (79/100), institutional ownership (67/100), construction/permit lag (55/100). On the quiet end sit mortgage stress (11/100). Structural exposure scores 79 and live distress 3 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (98/100), FEMA disaster exposure (89/100), flood (NFIP) exposure (88/100).

The expansion-phase market in 96785 posted values that rose 7.1% over the year, at 61/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Educational attainment sits at 37% bachelor's-or-above. Vacancy runs 17.6%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 30/100. Around 16% of renters are cost-burdened. Households earn a median $64,213 — below the roughly $78,000 national figure. The ZIP holds roughly 2,562 housing units. The poverty rate is 13.8%. 82% of housing is owner-occupied. About 4,224 people live here, median age 59. The typical home is worth about $369,000 (5.2× income).

Net-net, 96785 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 96785 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 96785 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 96785 stays directly comparable to neighboring ZIPs and the rest of Hawaii County, Hawaii. Sparse data for 96785 shows as blanks, never estimates, and the score updates on every fresh public filing.

96785'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. The point of the 96785 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.