ZIP 98846 Foreclosure, Tax-Lien & Distress Report

ZIP code 98846 in Okanogan County, Washington carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. The pressure is most legible in structural risk (58/100), institutional ownership (51/100), construction/permit lag (49/100). mortgage stress (17/100) stay muted. On the structural side it scores 58/100, with 5/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (93/100), climate & FEMA risk (87/100).

The market reads peak — home values rose 1.0% year on year, and 65% higher over three years (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 33/100. The poverty rate is 12.5%. The typical home is worth about $338,200 (3.9× income, relatively affordable). Rent burden reaches 37% of tenant households. Vacancy runs 23.3%, above the national norm and a classic distress-and-opportunity signal. About 17% have a four-year degree. The ZIP holds roughly 636 housing units. About 1,313 people live here, median age 39. At $79,972, median income runs near typical U.S. levels. Owners hold 89% of homes, renters 11%.

On the whole, 98846 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 98846 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 98846's 28/100 can be lined up against any neighbor in Okanogan County, Washington or any ZIP coast to coast. Where the public record is thin for 98846, the field stays empty rather than modeled, and fills in as new documents post.

Behind 98846's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 98846 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.