ZIP 97361 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 97361 in Polk County, Oregon comes in at 20, a low composite-distress reading. Latent structural risk is 41/100 while live distress already moving reads 1/100. The most distinctive pressure shows up in structural risk (41/100), institutional ownership (28/100), construction/permit lag (20/100). By contrast, construction/permit lag (20/100) and mortgage stress (4/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (77/100).

The peak-phase market in 97361 posted values that held roughly flat over the year, and 11% higher over three years (phase confidence 23/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 9.4%. Around 43% of renters are cost-burdened. Home values center near $451,100, an affordability ratio of 5.8×. Owners hold 54% of homes, renters 46%. About 28% have a four-year degree. There are about 5,194 housing units across 97361. About 13,953 people live here, median age 29. Households earn a median $70,625 — near the roughly $78,000 national figure. The demographic-stress sub-score lands at 41/100. Roughly 15.5% live below the poverty line.

On balance 97361 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 97361 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: 97361 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 97361, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

97361's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 97361 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.