ZIP 97868 Foreclosure, Tax-Lien & Distress Report

ZIP code 97868 in Umatilla County, Oregon carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — FEMA disaster exposure (87/100), climate & FEMA risk (81/100), flood (NFIP) exposure (62/100). Its heaviest discrete signals: structural risk (71/100), construction/permit lag (65/100), institutional ownership (61/100). On the quiet end sit mortgage stress (16/100). The split runs 71/100 structural to 5/100 active on the ground.

The market reads peak — home values rose 1.2% year on year, and 8% lower over three years, at 9/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $218,200 here, or 2.0 times local income. Roughly 5.9% live below the poverty line, a low share typical of higher-equity areas. About 1,531 people live here, median age 46. DLRadar's demographic-stress index for the area reads 21/100. Vacancy runs 16.6%, above the national norm and a classic distress-and-opportunity signal. About 16% have a four-year degree. The ZIP holds roughly 795 housing units. Around 11% of renters are cost-burdened. The tenure split is 87% owner-occupied to 13% rented. At $95,893, median income runs above typical U.S. levels.

On the whole, 97868 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 97868 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 97868 read uses the identical scoring model applied coast to coast, which means its 32/100 score means exactly what it means anywhere else, and 97868 stays directly comparable to neighboring ZIPs and the rest of Umatilla County, Oregon. 97868 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 32/100 for 97868 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 97868 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.