ZIP 97365 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 97365 in Lincoln County, Oregon comes in at 27, a low composite-distress reading. On the structural side it scores 58/100, with 6/100 of stress already active. The pressure is most legible in structural risk (58/100), institutional ownership (43/100), construction/permit lag (31/100). construction/permit lag (31/100) and mortgage stress (20/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (88/100), flood (NFIP) exposure (67/100)).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 6% higher over three years (phase confidence 9/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 6,196 housing units. A median home runs $441,700 here, or 6.9 times local income. The poverty rate is 16.9% — high, a tax-stress and distress correlate. Around 31% of adults hold a bachelor's degree or higher. Population is roughly 10,905 with a median age of 51. The demographic-stress sub-score lands at 43/100. The vacancy rate is 16.5% — elevated. Around 43% of renters are cost-burdened. 60% of housing is owner-occupied. At $60,736, median income runs below typical U.S. levels.

Net-net, 97365 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.

The 97365 read uses the identical scoring model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 97365 stays directly comparable to neighboring ZIPs and the rest of Lincoln County, Oregon. Sparse data for 97365 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 97365 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. Treat 97365 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.