ZIP 97138 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 97138 (Clatsop County, Oregon) returns a moderate composite of 30/100. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (65/100). The most distinctive pressure shows up in construction/permit lag (67/100), structural risk (67/100), institutional ownership (37/100). On the quiet end sit institutional ownership (37/100) and mortgage stress (10/100). Latent structural risk is 67/100 while live distress already moving reads 3/100.

The peak-phase market in 97138 posted values that rose 1.2% over the year, and 11% higher over three years (phase confidence 9/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 7,522 housing units across 97138. Vacancy runs 26.6%, above the national norm and a classic distress-and-opportunity signal. 17.0% of residents fall below the poverty threshold. Owners hold 57% of homes, renters 43%. Rent burden reaches 41% of tenant households. Around 28% of adults hold a bachelor's degree or higher. Home values center near $483,800, an affordability ratio of 8.3× — stretched. The demographic-stress sub-score lands at 49/100. Population is roughly 11,724 with a median age of 48. Median household income is $51,993, below the U.S. median near $78,000.

Net-net, 97138 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 97138 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in Clatsop County, Oregon and the nation. Where the public record is thin for 97138, the field stays empty rather than modeled, and fills in as new documents post.

97138'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, 97138 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.