ZIP 97846 Foreclosure, Tax-Lien & Distress Report

ZIP 97846's composite property-distress score is 5/100 - DLRadar classes that as minimal for Wallowa County, Oregon. What sets it apart are the readings on structural risk (10/100), mortgage stress (5/100), institutional ownership (3/100). By contrast, mortgage stress (5/100) and institutional ownership (3/100) register low. The latent-versus-live split is 10/100 structural and 2/100 already moving.

Prices here sit in a recovery phase: values rose 2.5% over the trailing year, and 10% higher over three years, at 29/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 30.3% — elevated. 76% of housing is owner-occupied. Home values center near $383,200, an affordability ratio of 5.4×. At $69,167, median income runs near typical U.S. levels. The poverty rate is 3.9% — low. Around 39% of adults hold a bachelor's degree or higher. Population is roughly 2,259 with a median age of 56. The ZIP holds roughly 1,487 housing units. Rent burden reaches 17% of tenant households. On demographic stress specifically, 97846 scores 31/100.

Taken together, 97846 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 97846 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 97846 read uses the identical public-record model applied coast to coast, which means its 5/100 score means exactly what it means anywhere else, and 97846 stays directly comparable to neighboring ZIPs and the rest of Wallowa County, Oregon. Where the public record is thin for 97846, the field stays empty rather than modeled, and fills in as new documents post.

Behind 97846'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. The point of the 97846 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.