ZIP 97131 Foreclosure, Tax-Lien & Distress Report

Tillamook County, Oregon's ZIP 97131 registers 28/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in structural risk (62/100), construction/permit lag (53/100), institutional ownership (46/100). mortgage stress (20/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (82/100), flood (NFIP) exposure (63/100). The latent-versus-live split is 62/100 structural and 6/100 already moving.

The market reads recovery — home values rose 2.3% year on year, and 5% higher over three years (phase confidence 25/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $67,719 — below the roughly $78,000 national figure. The poverty rate is 11.9%. DLRadar's demographic-stress index for the area reads 42/100. A median home runs $459,000 here, or 6.3 times local income. Rent burden reaches 57% of tenant households. Around 24% of adults hold a bachelor's degree or higher. Owners hold 87% of homes, renters 13%. The vacancy rate is 30.8% — elevated. 2,442 residents call 97131 home, typically aged 58. There are about 1,744 housing units across 97131.

On the whole, 97131 leans distressed, with opportunity clustered in specific stressed parcels. While 97131 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 97131 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 97131 can be compared directly against any other ZIP in Tillamook County, Oregon or nationwide. Sparse data for 97131 shows as blanks, never estimates, and the score updates on every fresh public filing.

97131's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 97131 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.