ZIP 98345 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 98345 (Kitsap County, Washington) at a low 22/100 for overall property distress. Property-level stress concentrates in construction/permit lag (65/100), structural risk (49/100), institutional ownership (6/100). By contrast, institutional ownership (6/100) register low. Environmental exposure also runs high (climate & FEMA risk (93/100)). The latent-versus-live split is 49/100 structural and 0/100 already moving.

The market reads contraction — home values held roughly flat year on year, 1.2% off the recent peak (phase confidence 26/100). A cooling market tends to open discount-to-value windows.

Roughly 7.1% live below the poverty line, a low share typical of higher-equity areas. 272 residents call 98345 home, typically aged 55. At $133,086, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 37/100. Vacancy runs 37.8%, above the national norm and a classic distress-and-opportunity signal. About 34% have a four-year degree. Around 38% of renters are cost-burdened. The ZIP holds roughly 175 housing units. A median home runs $524,000 here, or 4.7 times local income. 42% of housing is owner-occupied.

Net-net, 98345 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 98345 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 98345 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 98345 can be compared directly against any other ZIP in Kitsap County, Washington or nationwide. Sparse data for 98345 shows as blanks, never estimates, and the score updates on every fresh public filing.

98345's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 98345 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.