ZIP 97814 Foreclosure, Tax-Lien & Distress Report

ZIP 97814's composite property-distress score is 20/100 - DLRadar classes that as low for Baker County, Oregon. Environmental exposure also runs high (FEMA disaster exposure (71/100)). The split runs 42/100 structural to 4/100 active on the ground. Its heaviest discrete signals: construction/permit lag (55/100), structural risk (42/100), institutional ownership (39/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (14/100).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 22% higher over three years (phase confidence 9/100). Topping markets hide individual distress behind strong averages.

There are about 6,060 housing units across 97814. 74% of housing is owner-occupied. Households earn a median $59,736 — below the roughly $78,000 national figure. Rent burden reaches 41% of tenant households. On demographic stress specifically, 97814 scores 32/100. Around 29% of adults hold a bachelor's degree or higher. Vacancy runs 9.4%. The typical home is worth about $294,400 (4.3× income). Roughly 12.6% live below the poverty line. About 12,829 people live here, median age 46.

Overall, 97814 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 97814 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 97814, the field stays empty rather than modeled, and fills in as new documents post.

Behind 97814's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 97814 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.