ZIP 99003 Foreclosure, Tax-Lien & Distress Report

ZIP code 99003 in Spokane County, Washington carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (96/100), climate & FEMA risk (90/100), flood (NFIP) exposure (88/100). The latent-versus-live split is 79/100 structural and 6/100 already moving. What sets it apart are the readings on structural risk (79/100), institutional ownership (71/100), construction/permit lag (62/100). mortgage stress (19/100) stay muted.

The market reads contraction — home values fell 0.5% year on year, and 1% higher over three years, at 17/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

A median home runs $428,200 here, or 5.7 times local income. Roughly 9.5% live below the poverty line. There are about 2,319 housing units across 99003. Around 20% of adults hold a bachelor's degree or higher. Around 18% of renters are cost-burdened. Vacancy runs 15.3%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 34/100. Population is roughly 4,634 with a median age of 50. Households earn a median $71,624 — near the roughly $78,000 national figure. Owners hold 85% of homes, renters 15%.

Taken together, 99003 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 99003 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 99003's 36/100 can be lined up against any neighbor in Spokane County, Washington or any ZIP coast to coast. Where the public record is thin for 99003, the field stays empty rather than modeled, and fills in as new documents post.

The 36/100 figure for 99003 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. Practically, 99003 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.