ZIP 98220 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 98220 (Whatcom County, Washington) at a moderate 35/100 for overall property distress. Leading the profile are structural risk (78/100), construction/permit lag (67/100), institutional ownership (60/100). On the quiet end sit mortgage stress (20/100). Structural risk reads 78/100 against active distress of 6/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (98/100), climate & FEMA risk (91/100), FEMA disaster exposure (71/100).

The market reads contraction — home values held roughly flat year on year, and 56% higher over three years (phase confidence 30/100). Falling values surface more motivated sellers and below-market exits.

8.6% of residents fall below the poverty threshold. Rent burden reaches 0% of tenant households. At $142,891, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 21/100. 87% of housing is owner-occupied. Population is roughly 558 with a median age of 42. Educational attainment sits at 26% bachelor's-or-above. There are about 205 housing units across 98220. Vacancy runs 0.0%. A median home runs $368,800 here, or 3.2 times local income.

Net-net, 98220 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 98220 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 98220 read uses the identical public-record model applied coast to coast, which means its 35/100 score means exactly what it means anywhere else, and 98220 stays directly comparable to neighboring ZIPs and the rest of Whatcom County, Washington. Nothing here is interpolated — where a source is thin for 98220, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 35/100 for 98220 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 98220 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.