ZIP 97045 Foreclosure, Tax-Lien & Distress Report

ZIP code 97045 in Clackamas County, Oregon carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (91/100). Latent structural risk is 64/100 while live distress already moving reads 5/100. What sets it apart are the readings on structural risk (64/100), institutional ownership (48/100), construction/permit lag (28/100). construction/permit lag (28/100) and mortgage stress (17/100) stay muted.

The market reads peak — home values rose 1.0% year on year, and 4% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

75% of housing is owner-occupied. Around 46% of renters are cost-burdened. 6.6% of residents fall below the poverty threshold. Around 33% of adults hold a bachelor's degree or higher. Vacancy runs 3.7%. DLRadar's demographic-stress index for the area reads 36/100. Median household income is $100,388, above the U.S. median near $78,000. 57,432 residents call 97045 home, typically aged 39. Home values center near $587,700, an affordability ratio of 5.6×. The ZIP holds roughly 21,884 housing units.

Overall, 97045 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 97045 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 97045 runs through one identical public-record model, so its 29/100 sits on the same scale as every other ZIP in Clackamas County, Oregon and the nation. The score is rebuilt from public data as it updates, so 97045 reflects the current record instead of a stale or modeled snapshot.

97045'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. For a buyer, 97045 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.