ZIP 97326 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 97326 (Lincoln County, Oregon) at a low 23/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (65/100). Structurally it carries 49/100, against 5/100 of stress already in motion. Its heaviest discrete signals: structural risk (49/100), institutional ownership (40/100), mortgage stress (18/100). mortgage stress (18/100) stay muted.

The market reads recovery — home values rose 2.8% year on year (phase confidence 23/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $104,409 — above the roughly $78,000 national figure. Around 0% of renters are cost-burdened. 10.7% of residents fall below the poverty threshold. On demographic stress specifically, 97326 scores 22/100. Owners hold 95% of homes, renters 5%. 931 residents call 97326 home, typically aged 46. About 32% have a four-year degree. There are about 404 housing units across 97326. The vacancy rate is 22.4% — elevated. Home values center near $349,300, an affordability ratio of 3.2× — accessible.

Taken together, 97326 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 97326 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 97326 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 97326, the field stays empty rather than modeled, and fills in as new documents post.

97326'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, 97326 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.