ZIP 97870 Foreclosure, Tax-Lien & Distress Report

In Baker County, Oregon, ZIP 97870 scores 21 of 100 for composite distress, a low level on DLRadar's distress index. The pressure is most legible in construction/permit lag (59/100), structural risk (44/100), institutional ownership (42/100). mortgage stress (14/100) stay muted. Structural exposure scores 44 and live distress 4 on the 0–100 scale. Environmental exposure also runs high (FEMA disaster exposure (78/100)).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, at 9/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 37/100. 22.3% of residents fall below the poverty threshold. The tenure split is 63% owner-occupied to 37% rented. The ZIP holds roughly 368 housing units. At $56,625, median income runs below typical U.S. levels. Educational attainment sits at 22% bachelor's-or-above. Vacancy runs 24.7%, above the national norm and a classic distress-and-opportunity signal. 529 residents call 97870 home, typically aged 53. Around 53% of renters are cost-burdened. Home values center near $209,600, an affordability ratio of 3.6× — accessible.

Net-net, 97870 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 97870 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 97870 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 97870, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 97870 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. Practically, 97870 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.