ZIP 97405 Foreclosure, Tax-Lien & Distress Report

ZIP code 97405 in Lane County, Oregon carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. The most distinctive pressure shows up in structural risk (61/100), institutional ownership (45/100), construction/permit lag (28/100). By contrast, construction/permit lag (28/100) and mortgage stress (16/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (76/100). The latent-versus-live split is 61/100 structural and 5/100 already moving.

Prices here sit in a neutral phase: values rose 3.6% over the trailing year, and 5% higher over three years (phase confidence 26/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Home values center near $537,600, an affordability ratio of 5.3×. Roughly 11.6% live below the poverty line. At $93,136, median income runs above typical U.S. levels. Rent burden reaches 45% of tenant households. The tenure split is 70% owner-occupied to 30% rented. Educational attainment sits at 57% bachelor's-or-above. Vacancy runs 4.0%. Population is roughly 46,870 with a median age of 46. The demographic-stress sub-score lands at 33/100. The ZIP holds roughly 20,490 housing units.

Overall, 97405 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 97405 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 97405's 28/100 can be lined up against any neighbor in Lane County, Oregon or any ZIP coast to coast. Sparse data for 97405 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 97405's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 97405 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.