ZIP 98295 Foreclosure, Tax-Lien & Distress Report

ZIP 98295's composite property-distress score is 35/100 - DLRadar classes that as moderate for Whatcom County, Washington. Environmental exposure also runs high (flood (NFIP) exposure (98/100), climate & FEMA risk (91/100), FEMA disaster exposure (71/100)). On the structural side it scores 78/100, with 6/100 of stress already active. The sharpest non-environmental signals are structural risk (78/100), construction/permit lag (67/100), institutional ownership (60/100). On the quiet end sit mortgage stress (20/100).

The contraction-phase market in 98295 posted values that held roughly flat over the year, and 2% lower over three years (phase confidence 30/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The typical home is worth about $456,200 (4.2× income). About 18% have a four-year degree. Households earn a median $96,337 — above the roughly $78,000 national figure. Around 24% of renters are cost-burdened. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 3.8%. Population is roughly 3,135 with a median age of 37. DLRadar's demographic-stress index for the area reads 31/100. The ZIP holds roughly 1,229 housing units. Owners hold 60% of homes, renters 40%.

Taken together, 98295 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 98295 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 98295 runs through one identical public-record model, so its 35/100 sits on the same scale as every other ZIP in Whatcom County, Washington and the nation. 98295 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 35/100 for 98295 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 98295 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.