ZIP 97368 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 97368 (Lincoln County, Oregon) at a low 26/100 for overall property distress. The most distinctive pressure shows up 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. Climate and flood risk are elevated too — climate & FEMA risk (87/100), flood (NFIP) exposure (67/100). On the structural side it scores 58/100, with 6/100 of stress already active.

The peak-phase market in 97368 posted values that rose 1.3% over the year, and 26% higher over three years (phase confidence 8/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $59,267 — below the roughly $78,000 national figure. The typical home is worth about $325,700 (5.1× income). Educational attainment sits at 24% bachelor's-or-above. Vacancy runs 33.2%, above the national norm and a classic distress-and-opportunity signal. There are about 1,777 housing units across 97368. On demographic stress specifically, 97368 scores 41/100. Rent burden reaches 59% of tenant households. The tenure split is 88% owner-occupied to 12% rented. 21.2% of residents fall below the poverty threshold. Population is roughly 2,768 with a median age of 43.

Taken together, 97368 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 97368 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 97368 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 97368 can be compared directly against any other ZIP in Lincoln County, Oregon or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 97368 shows blanks, not estimates, wherever the record is sparse.

Each component behind 97368 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. The point of the 97368 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.