ZIP 97054 Foreclosure, Tax-Lien & Distress Report

In Columbia County, Oregon, ZIP 97054 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: construction/permit lag (45/100), structural risk (37/100), institutional ownership (5/100). institutional ownership (5/100) and mortgage stress (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (73/100). The split runs 37/100 structural to 1/100 active on the ground.

The peak-phase market in 97054 posted values that rose 1.0% over the year, and 37% higher over three years, at 11/100 phase confidence. Topping markets hide individual distress behind strong averages.

Households earn a median $84,518 — near the roughly $78,000 national figure. Around 25% of adults hold a bachelor's degree or higher. The ZIP holds roughly 659 housing units. The demographic-stress sub-score lands at 24/100. The tenure split is 98% owner-occupied to 2% rented. About 1,404 people live here, median age 55. Rent burden reaches 0% of tenant households. The vacancy rate is 2.4%. 3.8% of residents fall below the poverty threshold. The typical home is worth about $459,000 (5.0× income).

On balance 97054 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 97054 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 97054 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 17/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 97054 reflects the current record instead of a stale or modeled snapshot.

Each component behind 97054 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 17/100 roll-up. Practically, 97054 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.