ZIP 98340 Foreclosure, Tax-Lien & Distress Report

In Kitsap County, Washington, ZIP 98340 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 49/100, with 1/100 of stress already active. What sets it apart are the readings on 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)).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, 1.2% off the recent peak, and 5% higher over three years, at 26/100 phase confidence. A cooling market tends to open discount-to-value windows.

90% of housing is owner-occupied. A median home runs $569,700 here, or 5.8 times local income. The poverty rate is 3.8% — low. The vacancy rate is 29.6% — elevated. About 2,834 people live here, median age 69. There are about 1,901 housing units across 98340. Around 12% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 41% bachelor's-or-above. Median household income is $79,286, near the U.S. median near $78,000.

Taken together, 98340 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 98340 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 98340's 22/100 can be lined up against any neighbor in Kitsap County, Washington or any ZIP coast to coast. Where the public record is thin for 98340, the field stays empty rather than modeled, and fills in as new documents post.

98340'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 an operator, 98340 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.