ZIP 98581 Foreclosure, Tax-Lien & Distress Report

In Cowlitz County, Washington, ZIP 98581 scores 32 of 100 for composite distress, a moderate level on DLRadar's distress index. What sets it apart are the readings on structural risk (71/100), construction/permit lag (63/100), institutional ownership (51/100). By contrast, mortgage stress (17/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (84/100), FEMA disaster exposure (60/100). On the structural side it scores 71/100, with 5/100 of stress already active.

Prices here sit in a peak phase: values rose 2.4% over the trailing year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $232,500 (5.4× income). The poverty rate is 5.7% — low. Population is roughly 383 with a median age of 74. About 24% have a four-year degree. The demographic-stress sub-score lands at 41/100. There are about 251 housing units across 98581. The tenure split is 94% owner-occupied to 6% rented. Median household income is $37,039, below the U.S. median near $78,000. Vacancy runs 0.0%.

Net-net, 98581 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 98581 runs hot or quiet, its 32/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 98581 can be compared directly against any other ZIP in Cowlitz County, Washington or nationwide. The score is rebuilt from public data as it updates, so 98581 reflects the current record instead of a stale or modeled snapshot.

Each component behind 98581 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 32/100 roll-up. For an operator, 98581 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.