ZIP 98312 Foreclosure, Tax-Lien & Distress Report
Kitsap County, Washington · Cooling Market market
Composite property distress in 98312 (Kitsap County, Washington) lands at 22/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (65/100), structural risk (49/100), institutional ownership (6/100). On the quiet end sit institutional ownership (6/100) and mortgage stress (4/100). Environmental exposure also runs high (climate & FEMA risk (93/100)). Latent structural risk is 49/100 while live distress already moving reads 1/100.
The market reads contraction — home values held roughly flat year on year, 1.2% off the recent peak, and 7% higher over three years, at 26/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.
At $85,332, median income runs near typical U.S. levels. On demographic stress specifically, 98312 scores 35/100. The ZIP holds roughly 15,340 housing units. The tenure split is 65% owner-occupied to 36% rented. Around 35% of renters are cost-burdened. Around 26% of adults hold a bachelor's degree or higher. 10.3% of residents fall below the poverty threshold. A median home runs $473,100 here, or 5.0 times local income. Vacancy runs 5.8%. About 34,273 people live here, median age 37.
On the whole, 98312 leans distressed, with opportunity clustered in specific stressed parcels. 98312 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Whether 98312 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 98312 can be compared directly against any other ZIP in Kitsap County, Washington or nationwide. 98312 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
98312'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. For a buyer, 98312 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
Distress signal breakdown — ZIP 98312
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 98312 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 98312, the same set carried on every parcel.
Other Kitsap County ZIP codes
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Open the complete 98312 acquisition file
Every distressed parcel in 98312 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology