ZIP 98649 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 98649 (Cowlitz County, Washington) lands at 33/100 — moderate on DLRadar's public-record scoring. On the structural side it scores 73/100, with 5/100 of stress already active. The most distinctive pressure shows up in structural risk (73/100), construction/permit lag (62/100), institutional ownership (55/100). By contrast, mortgage stress (17/100) register low. Environmental exposure also runs high (climate & FEMA risk (90/100), flood (NFIP) exposure (87/100), FEMA disaster exposure (65/100)).

Prices here sit in a peak phase: values rose 2.4% over the trailing year, and 23% higher over three years (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 79% owner-occupied to 21% rented. The typical home is worth about $393,800 (5.0× income). There are about 422 housing units across 98649. About 8% have a four-year degree. Vacancy runs 11.7%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $57,167 — below the roughly $78,000 national figure. Population is roughly 980 with a median age of 47. Around 59% of renters are cost-burdened. The poverty rate is 10.8%. DLRadar's demographic-stress index for the area reads 39/100.

Net-net, 98649 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 98649 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 98649 read uses the identical public-record model applied coast to coast, which means its 33/100 score means exactly what it means anywhere else, and 98649 stays directly comparable to neighboring ZIPs and the rest of Cowlitz County, Washington. Nothing here is interpolated — where a source is thin for 98649, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

98649's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 98649 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.