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 public-record index. The pressure is most legible in structural risk (75/100), institutional ownership (59/100), construction/permit lag (52/100). On the quiet end sit mortgage stress (19/100). It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (93/100), FEMA disaster exposure (71/100). Structural exposure scores 75 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 to public records.

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 public 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.