ZIP 99004 Foreclosure, Tax-Lien & Distress Report

ZIP 99004's composite property-distress score is 36/100 - DLRadar classes that as moderate for Spokane County, Washington. Structurally it carries 79/100, against 6/100 of stress already in motion. Leading the profile are structural risk (79/100), institutional ownership (70/100), construction/permit lag (62/100). On the quiet end sit mortgage stress (19/100). Climate and flood risk are elevated too — FEMA disaster exposure (95/100), climate & FEMA risk (89/100), flood (NFIP) exposure (88/100).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 6% higher over three years, at 16/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

22,448 residents call 99004 home, typically aged 29. The tenure split is 56% owner-occupied to 44% rented. Educational attainment sits at 36% bachelor's-or-above. The vacancy rate is 6.2%. The typical home is worth about $420,500 (5.9× income). The poverty rate is 21.6% — high, a tax-stress and distress correlate. At $62,014, median income runs below typical U.S. levels. Rent burden reaches 52% of tenant households. The ZIP holds roughly 9,149 housing units. On demographic stress specifically, 99004 scores 42/100.

Net-net, 99004 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 99004 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 99004 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 36/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 99004, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

99004'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. In workflow terms, 99004 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.