ZIP 97304 Foreclosure, Tax-Lien & Distress Report
Polk County, Oregon · Cooling Market market
On DLRadar's 0-100 distress scale, ZIP 97304 in Polk County, Oregon comes in at 24, a low composite-distress reading. The most distinctive pressure shows up in structural risk (54/100), construction/permit lag (51/100), institutional ownership (33/100). On the quiet end sit institutional ownership (33/100) and mortgage stress (4/100). Environmental exposure also runs high (climate & FEMA risk (77/100)). On the structural side it scores 54/100, with 1/100 of stress already active.
Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 7% higher over three years (phase confidence 28/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
9.6% of residents fall below the poverty threshold. Rent burden reaches 37% of tenant households. At $91,731, median income runs above typical U.S. levels. The tenure split is 65% owner-occupied to 35% rented. The ZIP holds roughly 14,570 housing units. About 34,846 people live here, median age 39. A median home runs $499,300 here, or 5.1 times local income. On demographic stress specifically, 97304 scores 34/100. Around 39% of adults hold a bachelor's degree or higher. The vacancy rate is 5.3%.
On the whole, 97304 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 97304 is not published yet -- the ZIP-level readings above remain fully sourced.
Because one deterministic model scores every ZIP, 97304's 24/100 can be lined up against any neighbor in Polk County, Oregon or any ZIP coast to coast. 97304 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
97304'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. In workflow terms, 97304 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 97304
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 97304 distress snapshot
The live 97304 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Nearby ZIPs in Polk County
Nearest ZIP codes to 97304
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Polk County, Oregon
Related ZIP, county and statewide reads linked to Polk County, Oregon.
See every distressed parcel in 97304
See who owns each distressed property in 97304, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology