ZIP 97040 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 97040 (Wasco County, Oregon) lands at 22/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — FEMA disaster exposure (94/100), climate & FEMA risk (70/100). Its standout signals are institutional ownership (52/100), structural risk (46/100), construction/permit lag (20/100). On the quiet end sit construction/permit lag (20/100) and mortgage stress (18/100). Structural exposure scores 46 and live distress 6 on the 0–100 scale.

The peak-phase market in 97040 posted values that rose 1.2% over the year, and 34% higher over three years (phase confidence 9/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $498,600, an affordability ratio of 5.3×. Vacancy runs 23.3%, above the national norm and a classic distress-and-opportunity signal. 1,877 residents call 97040 home, typically aged 37. The tenure split is 73% owner-occupied to 27% rented. 8.7% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 32/100. At $77,500, median income runs near typical U.S. levels. The ZIP holds roughly 711 housing units. About 30% have a four-year degree. Around 9% of renters are cost-burdened.

Net-net, 97040 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 97040 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 97040 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 97040 can be compared directly against any other ZIP in Wasco County, Oregon or nationwide. The score is rebuilt from public data as it updates, so 97040 reflects the current record instead of a stale or modeled snapshot.

Each component behind 97040 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. Practically, 97040 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.