ZIP 97876 Foreclosure, Tax-Lien & Distress Report

Union County, Oregon's ZIP 97876 registers 16/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — FEMA disaster exposure (65/100). The split runs 34/100 structural to 1/100 active on the ground. The most distinctive pressure shows up in institutional ownership (36/100), structural risk (34/100), construction/permit lag (30/100). On the quiet end sit construction/permit lag (30/100) and mortgage stress (3/100).

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 43% higher over three years, at 9/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $116,146, median income runs above typical U.S. levels. The tenure split is 89% owner-occupied to 11% rented. The poverty rate is 1.8% — low. Home values center near $435,600, an affordability ratio of 3.7× — accessible. Around 7% of renters are cost-burdened. There are about 408 housing units across 97876. DLRadar's demographic-stress index for the area reads 22/100. Vacancy runs 10.5%. Around 39% of adults hold a bachelor's degree or higher. Population is roughly 1,092 with a median age of 46.

Net-net, 97876 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 97876 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 97876 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 97876 reflects the current record instead of a stale or modeled snapshot.

Each component behind 97876 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 16/100 roll-up. For an operator, 97876 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.