ZIP 99005 Foreclosure, Tax-Lien & Distress Report

In Spokane County, Washington, ZIP 99005 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (79/100), institutional ownership (71/100), construction/permit lag (62/100). On the quiet end sit mortgage stress (19/100). Climate and flood risk are elevated too — FEMA disaster exposure (96/100), climate & FEMA risk (90/100), flood (NFIP) exposure (88/100). On the structural side it scores 79/100, with 6/100 of stress already active.

The contraction-phase market in 99005 posted values that fell 0.5% over the year, and 8% higher over three years (phase confidence 17/100). A cooling market tends to open discount-to-value windows.

Median household income is $123,259, above the U.S. median near $78,000. Around 35% of renters are cost-burdened. Roughly 5.2% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 1.0%. The demographic-stress sub-score lands at 27/100. Population is roughly 10,682 with a median age of 40. About 36% have a four-year degree. There are about 3,673 housing units across 99005. The typical home is worth about $561,100 (4.0× income, relatively affordable). Owners hold 91% of homes, renters 9%.

Net-net, 99005 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 99005 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 99005 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. The score is rebuilt from public data as it updates, so 99005 reflects the current record instead of a stale or modeled snapshot.

The 36/100 for 99005 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 99005 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.