ZIP 98520 Foreclosure, Tax-Lien & Distress Report

Grays Harbor County, Washington's ZIP 98520 registers 34/100 composite distress, which DLRadar reads as moderate. The split runs 75/100 structural to 6/100 active on the ground. Property-level stress concentrates in structural risk (75/100), construction/permit lag (68/100), institutional ownership (57/100). mortgage stress (21/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (96/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (66/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 6% higher over three years, at 16/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 65% of homes, renters 35%. The demographic-stress sub-score lands at 36/100. 25,072 residents call 98520 home, typically aged 38. Educational attainment sits at 14% bachelor's-or-above. The vacancy rate is 9.1%. The ZIP holds roughly 9,450 housing units. Home values center near $250,800, an affordability ratio of 4.0× — accessible. Around 43% of renters are cost-burdened. At $59,744, median income runs below typical U.S. levels. The poverty rate is 18.2% — high, a tax-stress and distress correlate.

Net-net, 98520 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 98520 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 98520's 34/100 can be lined up against any neighbor in Grays Harbor County, Washington or any ZIP coast to coast. 98520 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 98520's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 98520 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.