ZIP 98685 Foreclosure, Tax-Lien & Distress Report

Clark County, Washington's ZIP 98685 registers 29/100 composite distress, which DLRadar reads as low. Structurally it carries 62/100, against 4/100 of stress already in motion. Its heaviest discrete signals: construction/permit lag (63/100), structural risk (62/100), institutional ownership (41/100). mortgage stress (12/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), FEMA disaster exposure (65/100).

Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 7% higher over three years (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 30,044 people live here, median age 45. Roughly 3.7% live below the poverty line, a low share typical of higher-equity areas. The typical home is worth about $599,200 (4.5× income). Vacancy runs 0.5%. Owners hold 83% of homes, renters 17%. At $126,552, median income runs above typical U.S. levels. The ZIP holds roughly 11,846 housing units. Around 25% of renters are cost-burdened. About 43% have a four-year degree. On demographic stress specifically, 98685 scores 26/100.

On balance 98685 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 98685 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 98685's 29/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 98685 reflects the current record instead of a stale or modeled snapshot.

The 29/100 figure for 98685 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 98685 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.