ZIP 98240 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 98240 (Whatcom County, Washington) at a moderate 35/100 for overall property distress. The pressure is most legible in structural risk (78/100), construction/permit lag (67/100), institutional ownership (60/100). mortgage stress (20/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (98/100), climate & FEMA risk (91/100), FEMA disaster exposure (71/100)). Structural risk reads 78/100 against active distress of 6/100.

The market reads contraction — home values held roughly flat year on year, and 4% higher over three years, at 30/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Home values center near $619,700, an affordability ratio of 5.3×. 4.9% of residents fall below the poverty threshold. The vacancy rate is 4.6%. Population is roughly 3,208 with a median age of 37. At $106,256, median income runs above typical U.S. levels. About 24% have a four-year degree. Around 0% of renters are cost-burdened. The ZIP holds roughly 1,345 housing units. DLRadar's demographic-stress index for the area reads 27/100. 95% of housing is owner-occupied.

Net-net, 98240 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 98240 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 98240 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 35/100 composite is a like-for-like number rather than an isolated estimate. 98240 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 35/100 figure for 98240 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 98240 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.