ZIP 97408 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 97408 (Lane County, Oregon) lands at 28/100 — low on DLRadar's public-record scoring. Structural exposure scores 61 and live distress 5 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (76/100). Its heaviest discrete signals: structural risk (61/100), institutional ownership (45/100), construction/permit lag (28/100). construction/permit lag (28/100) and mortgage stress (16/100) stay muted.

The market reads neutral — home values rose 3.6% year on year, and 4% higher over three years (phase confidence 26/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $539,600, an affordability ratio of 5.2×. 63% of housing is owner-occupied. Population is roughly 15,297 with a median age of 42. The poverty rate is 3.9% — low. The vacancy rate is 3.7%. At $102,063, median income runs above typical U.S. levels. Around 31% of renters are cost-burdened. There are about 6,890 housing units across 97408. On demographic stress specifically, 97408 scores 31/100. Around 49% of adults hold a bachelor's degree or higher.

On balance 97408 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 97408 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 97408 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 97408, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 97408 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. The point of the 97408 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.