ZIP 98282 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 98282 in Island County, Washington comes in at 33, a moderate composite-distress reading. What sets it apart are the readings on construction/permit lag (80/100), structural risk (74/100), institutional ownership (54/100). By contrast, mortgage stress (19/100) register low. Latent structural risk is 74/100 while live distress already moving reads 6/100. Climate and flood risk are elevated too — flood (NFIP) exposure (86/100), climate & FEMA risk (79/100), FEMA disaster exposure (65/100).

The market reads peak — home values held roughly flat year on year, and 11% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 8,837 housing units across 98282. About 17,535 people live here, median age 55. The poverty rate is 4.5% — low. About 34% have a four-year degree. Around 36% of renters are cost-burdened. Vacancy runs 15.9%, above the national norm and a classic distress-and-opportunity signal. Owners hold 91% of homes, renters 9%. On demographic stress specifically, 98282 scores 34/100. Median household income is $100,124, above the U.S. median near $78,000. Home values center near $670,800, an affordability ratio of 6.0×.

On the whole, 98282 leans distressed, with opportunity clustered in specific stressed parcels. While 98282 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: 98282 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 98282, the field stays empty rather than modeled, and fills in as new documents post.

98282's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 98282 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.