ZIP 97538 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 97538 (Josephine County, Oregon) returns a high composite of 51/100. The split runs 68/100 structural to 5/100 active on the ground. The most distinctive pressure shows up in structural risk (68/100), insurance pressure (62/100), institutional ownership (54/100). mortgage stress (17/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (89/100), flood (NFIP) exposure (78/100), FEMA disaster exposure (65/100).

The market reads contraction — home values fell 6.5% year on year, 6.5% off the recent peak, and 5% lower over three years (phase confidence 100/100). A cooling market tends to open discount-to-value windows.

Population is roughly 1,831 with a median age of 42. There are about 978 housing units across 97538. Home values center near $312,200, an affordability ratio of 6.6×. Vacancy runs 20.6%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 83% owner-occupied to 17% rented. The poverty rate is 24.9% — high, a tax-stress and distress correlate. Median household income is $43,689, below the U.S. median near $78,000. Rent burden reaches 0% of tenant households. Educational attainment sits at 17% bachelor's-or-above. The demographic-stress sub-score lands at 37/100.

On the whole, 97538 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 97538 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 97538 runs hot or quiet, its 51/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 97538 can be compared directly against any other ZIP in Josephine County, Oregon or nationwide. 97538 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 51/100 figure for 97538 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 97538 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.