ZIP 97862 Foreclosure, Tax-Lien & Distress Report

ZIP code 97862 in Umatilla County, Oregon carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. Structurally it carries 71/100, against 5/100 of stress already in motion. Environmental exposure also runs high (FEMA disaster exposure (88/100), climate & FEMA risk (81/100), flood (NFIP) exposure (62/100)). Property-level stress concentrates in structural risk (71/100), construction/permit lag (65/100), institutional ownership (61/100). By contrast, mortgage stress (16/100) register low.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 17% higher over three years, at 9/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 5,219 housing units across 97862. Median household income is $54,013, below the U.S. median near $78,000. 56% of housing is owner-occupied. Vacancy runs 12.1%, above the national norm and a classic distress-and-opportunity signal. 12,538 residents call 97862 home, typically aged 38. Around 25% of renters are cost-burdened. On demographic stress specifically, 97862 scores 35/100. About 13% have a four-year degree. A median home runs $274,900 here, or 4.2 times local income. 15.9% of residents fall below the poverty threshold.

Taken together, 97862 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 97862 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 97862 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 32/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 97862, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

97862's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 97862 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.