ZIP 97461 Foreclosure, Tax-Lien & Distress Report

ZIP code 97461 in Lane County, Oregon carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (76/100). Structurally it carries 61/100, against 5/100 of stress already in motion. The pressure is most legible in structural risk (61/100), institutional ownership (45/100), construction/permit lag (28/100). On the quiet end sit construction/permit lag (28/100) and mortgage stress (16/100).

The neutral-phase market in 97461 posted values that rose 3.6% over the year, and 22% higher over three years (phase confidence 26/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Educational attainment sits at 8% bachelor's-or-above. Rent burden reaches 100% of tenant households. Median household income is $104,783, above the U.S. median near $78,000. Home values center near $450,300, an affordability ratio of 4.3×. On demographic stress specifically, 97461 scores 39/100. The tenure split is 92% owner-occupied to 8% rented. Roughly 4.1% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 313 housing units. The vacancy rate is 3.8%. Population is roughly 635 with a median age of 59.

Overall, 97461 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 97461 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 97461 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. Every figure is auditable to a public dataset and refreshed on ingest; 97461 shows blanks, not estimates, wherever the record is sparse.

Behind 97461'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. Treat 97461 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.