ZIP 97904 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 97904 (Harney County, Oregon) returns a low composite of 21/100. The sharpest non-environmental signals are construction/permit lag (63/100), structural risk (48/100), institutional ownership (45/100). By contrast, mortgage stress (20/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (76/100). Latent structural risk is 48/100 while live distress already moving reads 6/100.

The market reads recovery — home values rose 2.5% year on year (phase confidence 29/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 57% of renters are cost-burdened. Around 10% of adults hold a bachelor's degree or higher. The vacancy rate is 29.1% — elevated. Population is roughly 187 with a median age of 51. The poverty rate is 5.3% — low. DLRadar's demographic-stress index for the area reads 52/100. Households earn a median $51,755 — below the roughly $78,000 national figure. The tenure split is 91% owner-occupied to 9% rented. The typical home is worth about $567,300 (11.5× income, severely stretched). There are about 121 housing units across 97904.

On the whole, 97904 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 97904 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 97904 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in Harney County, Oregon and the nation. Where the public record is thin for 97904, the field stays empty rather than modeled, and fills in as new documents post.

97904's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 97904 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.