ZIP 97838 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 97838 (Umatilla County, Oregon) lands at 29/100 — low on DLRadar's distress scoring. Its heaviest discrete signals: construction/permit lag (64/100), structural risk (63/100), institutional ownership (55/100). By contrast, mortgage stress (16/100) register low. Structurally it carries 63/100, against 5/100 of stress already in motion. Environmental exposure also runs high (FEMA disaster exposure (83/100), climate & FEMA risk (68/100)).

The peak-phase market in 97838 posted values that rose 1.2% over the year, and 8% higher over three years (phase confidence 9/100). Topping markets hide individual distress behind strong averages.

Households earn a median $76,032 — near the roughly $78,000 national figure. Around 30% of renters are cost-burdened. Roughly 10.1% live below the poverty line. DLRadar's demographic-stress index for the area reads 30/100. Home values center near $306,500, an affordability ratio of 3.6× — accessible. The vacancy rate is 5.9%. There are about 10,574 housing units across 97838. The tenure split is 72% owner-occupied to 28% rented. Educational attainment sits at 15% bachelor's-or-above. About 27,979 people live here, median age 35.

Net-net, 97838 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 97838 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 97838 read uses the identical scoring model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 97838 stays directly comparable to neighboring ZIPs and the rest of Umatilla County, Oregon. The score is rebuilt from public data as it updates, so 97838 reflects the current record instead of a stale or modeled snapshot.

Behind 97838'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. Practically, 97838 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.