ZIP 97497 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 97497 in Josephine County, Oregon comes in at 50, a high composite-distress reading. The split runs 67/100 structural to 5/100 active on the ground. Property-level stress concentrates in structural risk (67/100), insurance pressure (62/100), institutional ownership (54/100). mortgage stress (17/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (77/100), FEMA disaster exposure (65/100).

Prices here sit in a contraction phase: values fell 5.9% over the trailing year, 6.1% off the recent peak, and 53% higher over three years (phase confidence 100/100). A cooling market tends to open discount-to-value windows.

The vacancy rate is 15.2% — elevated. The typical home is worth about $321,800 (8.2× income, severely stretched). Owners hold 72% of homes, renters 28%. At $36,868, median income runs below typical U.S. levels. On demographic stress specifically, 97497 scores 46/100. Around 18% of adults hold a bachelor's degree or higher. Population is roughly 1,172 with a median age of 55. There are about 708 housing units across 97497. Around 20% of renters are cost-burdened. The poverty rate is 29.3% — high, a tax-stress and distress correlate.

On the whole, 97497 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 97497 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 97497 runs hot or quiet, its 50/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 97497 can be compared directly against any other ZIP in Josephine County, Oregon or nationwide. Nothing here is interpolated — where a source is thin for 97497, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

97497'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. The point of the 97497 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.