ZIP 98814 Foreclosure, Tax-Lien & Distress Report

In Okanogan County, Washington, ZIP 98814 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (FEMA disaster exposure (93/100), climate & FEMA risk (87/100)). Leading the profile are structural risk (57/100), institutional ownership (50/100), construction/permit lag (44/100). By contrast, mortgage stress (16/100) register low. Structural risk reads 57/100 against active distress of 5/100.

The peak-phase market in 98814 posted values that rose 1.2% over the year (phase confidence 20/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $97,165, above the U.S. median near $78,000. Roughly 1.3% live below the poverty line, a low share typical of higher-equity areas. The demographic-stress sub-score lands at 31/100. A median home runs $582,700 here, or 5.3 times local income. The ZIP holds roughly 275 housing units. About 465 people live here, median age 56. Owners hold 100% of homes, renters 0%. About 30% have a four-year degree. Vacancy runs 31.1%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 98814 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 98814 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 98814's 27/100 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 98814 reflects the current record instead of a stale or modeled snapshot.

The 27/100 figure for 98814 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. For a buyer, 98814 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.