ZIP 98366 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 98366 (Kitsap County, Washington) lands at 24/100 — low on DLRadar's distress scoring. Structural risk reads 52/100 against active distress of 1/100. The sharpest non-environmental signals are construction/permit lag (80/100), structural risk (52/100), institutional ownership (6/100). On the quiet end sit institutional ownership (6/100) and mortgage stress (4/100). Climate and flood risk are elevated too — climate & FEMA risk (93/100).

The market reads contraction — home values held roughly flat year on year, 1.2% off the recent peak, and 8% higher over three years (phase confidence 26/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Population is roughly 37,692 with a median age of 38. The tenure split is 66% owner-occupied to 34% rented. 11.0% of residents fall below the poverty threshold. The vacancy rate is 5.6%. Home values center near $475,800, an affordability ratio of 5.1×. There are about 15,328 housing units across 98366. DLRadar's demographic-stress index for the area reads 36/100. Around 42% of renters are cost-burdened. Around 26% of adults hold a bachelor's degree or higher. At $88,807, median income runs above typical U.S. levels.

Taken together, 98366 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 98366 is not published yet -- the ZIP-level readings above remain fully sourced.

The 98366 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 98366 stays directly comparable to neighboring ZIPs and the rest of Kitsap County, Washington. The score is rebuilt from public data as it updates, so 98366 reflects the current record instead of a stale or modeled snapshot.

Each component behind 98366 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. In workflow terms, 98366 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.