ZIP 98849 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 98849 in Okanogan County, Washington comes in at 27, a low composite-distress reading. Climate and flood risk are elevated too — FEMA disaster exposure (93/100), climate & FEMA risk (87/100). The sharpest non-environmental signals are structural risk (57/100), institutional ownership (50/100), construction/permit lag (44/100). By contrast, mortgage stress (16/100) register low. Latent structural risk is 57/100 while live distress already moving reads 5/100.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, at 20/100 phase confidence. Topping markets hide individual distress behind strong averages.

Home values center near $277,200, an affordability ratio of 3.9× — accessible. Median household income is $62,357, below the U.S. median near $78,000. The ZIP holds roughly 649 housing units. The vacancy rate is 18.7% — elevated. Owners hold 70% of homes, renters 30%. Rent burden reaches 41% of tenant households. The demographic-stress sub-score lands at 36/100. About 10% have a four-year degree. Population is roughly 1,123 with a median age of 44. 21.3% of residents fall below the poverty threshold.

On the whole, 98849 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 98849 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 98849 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 98849 can be compared directly against any other ZIP in Okanogan County, Washington or nationwide. The score is rebuilt from public data as it updates, so 98849 reflects the current record instead of a stale or modeled snapshot.

Behind 98849'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. For a buyer, 98849 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.