ZIP 97523 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 97523 in Josephine County, Oregon comes in at 51, a high composite-distress reading. Structural risk reads 68/100 against active distress of 5/100. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (78/100), FEMA disaster exposure (65/100). What sets it apart are the readings on structural risk (68/100), insurance pressure (62/100), institutional ownership (54/100). mortgage stress (17/100) stay muted.

The market reads contraction — home values fell 6.5% year on year, 6.5% off the recent peak, and 13% lower over three years (phase confidence 100/100). A cooling market tends to open discount-to-value windows.

There are about 3,678 housing units across 97523. The poverty rate is 24.8% — high, a tax-stress and distress correlate. Home values center near $329,800, an affordability ratio of 6.5×. DLRadar's demographic-stress index for the area reads 45/100. The vacancy rate is 14.3% — elevated. Rent burden reaches 55% of tenant households. About 7,162 people live here, median age 43. Households earn a median $45,960 — below the roughly $78,000 national figure. 81% of housing is owner-occupied. Around 18% of adults hold a bachelor's degree or higher.

Net-net, 97523 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 97523 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 97523 read uses the identical public-record model applied coast to coast, which means its 51/100 score means exactly what it means anywhere else, and 97523 stays directly comparable to neighboring ZIPs and the rest of Josephine County, Oregon. The score is rebuilt from public data as it updates, so 97523 reflects the current record instead of a stale or modeled snapshot.

97523'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. For an operator, 97523 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.