ZIP 98346 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 98346 (Kitsap County, Washington) at a low 22/100 for overall property distress. The latent-versus-live split is 49/100 structural and 1/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (93/100). Its heaviest discrete signals: 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).

The contraction-phase market in 98346 posted values that held roughly flat over the year, 1.2% off the recent peak, and 2% higher over three years, at 26/100 phase confidence. A cooling market tends to open discount-to-value windows.

83% of housing is owner-occupied. Vacancy runs 8.3%. Rent burden reaches 26% of tenant households. Roughly 7.6% live below the poverty line. The ZIP holds roughly 4,267 housing units. Median household income is $110,946, above the U.S. median near $78,000. The typical home is worth about $612,800 (5.1× income). Around 46% of adults hold a bachelor's degree or higher. Population is roughly 9,337 with a median age of 51. On demographic stress specifically, 98346 scores 29/100.

On the whole, 98346 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 98346 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 98346 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 98346 can be compared directly against any other ZIP in Kitsap County, Washington or nationwide. Nothing here is interpolated — where a source is thin for 98346, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 98346 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. The point of the 98346 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.