ZIP 97813 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 97813 in Umatilla County, Oregon comes in at 29, a low composite-distress reading. Climate and flood risk are elevated too — FEMA disaster exposure (91/100), climate & FEMA risk (81/100). The pressure is most legible in construction/permit lag (63/100), structural risk (62/100), institutional ownership (54/100). By contrast, mortgage stress (16/100) register low. On the structural side it scores 62/100, with 5/100 of stress already active.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 61% higher over three years (phase confidence 9/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 640 housing units. Owners hold 80% of homes, renters 20%. The vacancy rate is 9.9%. At $73,688, median income runs near typical U.S. levels. A median home runs $241,200 here, or 3.0 times local income. Roughly 10.0% live below the poverty line. Around 32% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 25/100. About 1,366 people live here, median age 40. Around 28% of renters are cost-burdened.

Net-net, 97813 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 97813 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 97813 read uses the identical public-record model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 97813 stays directly comparable to neighboring ZIPs and the rest of Umatilla County, Oregon. Nothing here is interpolated — where a source is thin for 97813, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

97813's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 97813 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.