ZIP 98204 Foreclosure, Tax-Lien & Distress Report

ZIP code 98204 in Snohomish County, Washington carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic distress index. The pressure is most legible in structural risk (76/100), construction/permit lag (58/100), institutional ownership (57/100). On the quiet end sit mortgage stress (19/100). It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (94/100), FEMA disaster exposure (68/100). Structural exposure scores 76 and live distress 6 on the 0–100 scale.

The peak-phase market in 98204 posted values that held roughly flat over the year, and 7% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 22% of adults hold a bachelor's degree or higher. 15.4% of residents fall below the poverty threshold. At $66,592, median income runs below typical U.S. levels. Around 44% of renters are cost-burdened. Home values center near $414,000, an affordability ratio of 5.8×. Vacancy runs 6.0%. There are about 18,893 housing units across 98204. On demographic stress specifically, 98204 scores 43/100. 43,961 residents call 98204 home, typically aged 33. The tenure split is 35% owner-occupied to 65% rented.

Net-net, 98204 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 98204 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 98204 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 34/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 98204, the field stays empty rather than modeled, and fills in as new documents post.

The 34/100 figure for 98204 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 98204 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.