ZIP 97431 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 97431 (Lane County, Oregon) at a low 28/100 for overall property distress. Structural exposure scores 61 and live distress 5 on the 0–100 scale. The sharpest non-environmental signals are 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. Climate and flood risk are elevated too — climate & FEMA risk (96/100), flood (NFIP) exposure (76/100).

The market reads neutral — home values rose 3.6% year on year, and 2% higher over three years (phase confidence 26/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

2,115 residents call 97431 home, typically aged 43. There are about 896 housing units across 97431. Around 32% of adults hold a bachelor's degree or higher. Households earn a median $53,155 — below the roughly $78,000 national figure. The typical home is worth about $354,800 (6.2× income). The vacancy rate is 23.5% — elevated. Roughly 25.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The demographic-stress sub-score lands at 48/100. Owners hold 84% of homes, renters 16%. Around 82% of renters are cost-burdened.

Net-net, 97431 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 97431 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 97431 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 97431 can be compared directly against any other ZIP in Lane County, Oregon or nationwide. 97431 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

97431's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 97431 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.