ZIP 97490 Foreclosure, Tax-Lien & Distress Report

ZIP code 97490 in Lane County, Oregon carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (76/100)). Latent structural risk is 61/100 while live distress already moving reads 5/100. The most distinctive pressure shows up 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).

Prices here sit in a neutral phase: values rose 3.6% over the trailing year (phase confidence 26/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $135,179 — above the roughly $78,000 national figure. 0.0% of residents fall below the poverty threshold. The tenure split is 82% owner-occupied to 18% rented. The ZIP holds roughly 183 housing units. 476 residents call 97490 home, typically aged 34. The demographic-stress sub-score lands at 24/100. About 9% have a four-year degree. Home values center near $405,200, an affordability ratio of 2.9× — accessible. Rent burden reaches 0% of tenant households. The vacancy rate is 30.0% — elevated.

Taken together, 97490 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 97490 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 97490 read uses the identical public-record model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 97490 stays directly comparable to neighboring ZIPs and the rest of Lane County, Oregon. Where the public record is thin for 97490, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 97490 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. Treat 97490 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.