ZIP 97438 Foreclosure, Tax-Lien & Distress Report

In Lane County, Oregon, ZIP 97438 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are 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. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (76/100)). The split runs 61/100 structural to 5/100 active on the ground.

The market reads neutral — home values rose 3.6% year on year, and 32% higher over three years (phase confidence 26/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 13.0%, above the national norm and a classic distress-and-opportunity signal. 3.7% of residents fall below the poverty threshold. Around 74% of renters are cost-burdened. Around 16% of adults hold a bachelor's degree or higher. There are about 569 housing units across 97438. DLRadar's demographic-stress index for the area reads 37/100. Households earn a median $100,000 — above the roughly $78,000 national figure. Population is roughly 1,218 with a median age of 49. The tenure split is 92% owner-occupied to 8% rented. Home values center near $584,900, an affordability ratio of 4.5×.

Taken together, 97438 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 97438 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 97438 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 97438 can be compared directly against any other ZIP in Lane County, Oregon or nationwide. Nothing here is interpolated — where a source is thin for 97438, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 97438 - 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 97438 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.