ZIP 98812 Foreclosure, Tax-Lien & Distress Report
Okanogan County, Washington · High Vacancy market
Scored on a fixed 0-100 scale, 98812 (Okanogan County, Washington) returns a low composite of 21/100. The split runs 44/100 structural to 4/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), FEMA disaster exposure (66/100). What sets it apart are the readings on structural risk (44/100), institutional ownership (36/100), construction/permit lag (20/100). On the quiet end sit construction/permit lag (20/100) and mortgage stress (13/100).
The peak-phase market in 98812 posted values that held roughly flat over the year, and 32% higher over three years (phase confidence 25/100). Topping markets hide individual distress behind strong averages.
Vacancy runs 13.8%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 98812 scores 42/100. 5,188 residents call 98812 home, typically aged 32. There are about 1,841 housing units across 98812. The tenure split is 53% owner-occupied to 47% rented. Median household income is $60,146, below the U.S. median near $78,000. The typical home is worth about $354,500 (5.0× income). Roughly 22.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Educational attainment sits at 13% bachelor's-or-above. Around 45% of renters are cost-burdened.
On the whole, 98812 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 98812 at the moment; the composite and its components are still built from verifiable records.
Big metro or rural, 98812 runs through one identical scoring model, so its 21/100 sits on the same scale as every other ZIP in Okanogan County, Washington and the nation. Sparse data for 98812 shows as blanks, never estimates, and the score updates on every fresh public filing.
98812'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. The point of the 98812 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 98812
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 98812 by the numbers
The live 98812 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Okanogan County
Nearest ZIP codes to 98812
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Okanogan County, Washington
Keep going: ZIP, county and state distress coverage for Okanogan County, Washington.
The complete 98812 distress and acquisition report
Every distressed parcel in 98812 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Each signal above is traceable to an open dataset · methodology