ZIP 97446 Foreclosure, Tax-Lien & Distress Report

In Linn County, Oregon, ZIP 97446 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 48/100 against active distress of 3/100. Environmental exposure also runs high (climate & FEMA risk (88/100)). Leading the profile are structural risk (48/100), institutional ownership (32/100), construction/permit lag (30/100). By contrast, construction/permit lag (30/100) and mortgage stress (11/100) register low.

The market reads contraction — home values fell 1.7% year on year, 2.2% off the recent peak, and 5% higher over three years (phase confidence 48/100). A cooling market tends to open discount-to-value windows.

80% of housing is owner-occupied. Home values center near $339,300, an affordability ratio of 4.4×. Roughly 9.5% live below the poverty line. Around 17% of renters are cost-burdened. Population is roughly 4,997 with a median age of 34. Vacancy runs 2.1%. There are about 1,981 housing units across 97446. DLRadar's demographic-stress index for the area reads 29/100. Educational attainment sits at 16% bachelor's-or-above. At $72,065, median income runs near typical U.S. levels.

On the whole, 97446 leans distressed, with opportunity clustered in specific stressed parcels. 97446 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 97446 read uses the identical public-record model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 97446 stays directly comparable to neighboring ZIPs and the rest of Linn County, Oregon. Every figure is auditable to a public dataset and refreshed on ingest; 97446 shows blanks, not estimates, wherever the record is sparse.

The 23/100 for 97446 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 97446 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.