ZIP 98645 Foreclosure, Tax-Lien & Distress Report

ZIP code 98645 in Cowlitz County, Washington carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (84/100), FEMA disaster exposure (60/100). The sharpest non-environmental signals are structural risk (71/100), construction/permit lag (63/100), institutional ownership (51/100). mortgage stress (17/100) stay muted. Structural exposure scores 71 and live distress 5 on the 0–100 scale.

The market reads peak — home values rose 2.4% year on year, and 1% higher over three years (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 925 housing units. DLRadar's demographic-stress index for the area reads 29/100. A median home runs $509,500 here, or 4.5 times local income. About 38% have a four-year degree. 2,195 residents call 98645 home, typically aged 53. Roughly 7.4% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 94% owner-occupied to 6% rented. Households earn a median $102,664 — above the roughly $78,000 national figure. The vacancy rate is 4.5%. Rent burden reaches 37% of tenant households.

Net-net, 98645 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 98645 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 98645 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 98645 can be compared directly against any other ZIP in Cowlitz County, Washington or nationwide. Sparse data for 98645 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 98645 - 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, 98645 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.