ZIP 97544 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 97544 (Josephine County, Oregon) lands at 50/100 — high on DLRadar's distress scoring. Its standout signals are structural risk (66/100), insurance pressure (62/100), institutional ownership (50/100). By contrast, mortgage stress (17/100) register low. Environmental exposure also runs high (climate & FEMA risk (89/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (60/100)). The split runs 66/100 structural to 5/100 active on the ground.

The market reads contraction — home values fell 6.5% year on year, 6.5% off the recent peak, and 10% higher over three years (phase confidence 100/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

At $71,066, median income runs near typical U.S. levels. Vacancy runs 14.7%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 967 housing units. Educational attainment sits at 34% bachelor's-or-above. Population is roughly 2,040 with a median age of 48. The typical home is worth about $563,700 (7.4× income, severely stretched). 11.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 45/100. Rent burden reaches 65% of tenant households. Owners hold 80% of homes, renters 20%.

On the whole, 97544 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 97544 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 97544 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 97544 can be compared directly against any other ZIP in Josephine County, Oregon or nationwide. 97544 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 50/100 figure for 97544 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 97544 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.