ZIP 97038 Foreclosure, Tax-Lien & Distress Report
Clackamas County, Oregon · Distress market
Clackamas County, Oregon's ZIP 97038 registers 30/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (94/100). On the structural side it scores 67/100, with 5/100 of stress already active. The sharpest non-environmental signals are structural risk (67/100), institutional ownership (53/100), construction/permit lag (29/100). construction/permit lag (29/100) and mortgage stress (17/100) stay muted.
Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 3% higher over three years (phase confidence 11/100). Topping markets hide individual distress behind strong averages.
Rent burden reaches 35% of tenant households. The poverty rate is 6.5% — low. Median household income is $87,585, above the U.S. median near $78,000. About 17,100 people live here, median age 35. There are about 6,130 housing units across 97038. Around 20% of adults hold a bachelor's degree or higher. A median home runs $483,500 here, or 5.2 times local income. DLRadar's demographic-stress index for the area reads 34/100. The vacancy rate is 4.7%. Owners hold 71% of homes, renters 29%.
Net-net, 97038 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 97038 at the moment; the composite and its components are still built from verifiable records.
Because one deterministic model scores every ZIP, 97038's 30/100 can be lined up against any neighbor in Clackamas County, Oregon or any ZIP coast to coast. 97038 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 30/100 figure for 97038 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, 97038 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.
Signal-by-signal read on 97038
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 97038 Stress Report snapshot
A live read on 97038: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
More ZIPs across Clackamas County
Nearest ZIP codes to 97038
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 97038
Other reports tied to Clackamas County, Oregon — ZIP, county and statewide.
The complete 97038 distress and acquisition report
The full 97038 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology