ZIP 97108 Foreclosure, Tax-Lien & Distress Report

ZIP code 97108 in Tillamook County, Oregon carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Leading the profile are structural risk (58/100), institutional ownership (43/100), construction/permit lag (43/100). mortgage stress (22/100) stay muted. The split runs 58/100 structural to 7/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (80/100), flood (NFIP) exposure (62/100).

The recovery-phase market in 97108 posted values that rose 2.5% over the year, and 49% higher over three years, at 29/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 0.0%. The poverty rate is 6.7% — low. Median household income is $69,063, near the U.S. median near $78,000. Around 27% of renters are cost-burdened. 85% of housing is owner-occupied. There are about 231 housing units across 97108. A median home runs $437,500 here, or 6.8 times local income. DLRadar's demographic-stress index for the area reads 35/100. About 23% have a four-year degree. 492 residents call 97108 home, typically aged 65.

On balance 97108 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 97108 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 97108 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 97108 stays directly comparable to neighboring ZIPs and the rest of Tillamook County, Oregon. The score is rebuilt from public data as it updates, so 97108 reflects the current record instead of a stale or modeled snapshot.

Behind 97108's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 97108 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.