ZIP 99009 Foreclosure, Tax-Lien & Distress Report

ZIP code 99009 in Spokane County, Washington carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic distress index. The most distinctive pressure shows up in structural risk (60/100), institutional ownership (55/100), construction/permit lag (49/100). By contrast, mortgage stress (13/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (79/100), climate & FEMA risk (69/100). Latent structural risk is 60/100 while live distress already moving reads 4/100.

The peak-phase market in 99009 posted values that held roughly flat over the year, and 7% higher over three years, at 14/100 phase confidence. Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 1,854 housing units. Population is roughly 4,525 with a median age of 42. Around 18% of adults hold a bachelor's degree or higher. On demographic stress specifically, 99009 scores 39/100. Rent burden reaches 61% of tenant households. The tenure split is 91% owner-occupied to 9% rented. At $74,881, median income runs near typical U.S. levels. The vacancy rate is 11.4% — elevated. Roughly 15.6% live below the poverty line. Home values center near $427,200, an affordability ratio of 5.4×.

Overall, 99009 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 99009 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 99009 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 99009 can be compared directly against any other ZIP in Spokane County, Washington or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 99009 shows blanks, not estimates, wherever the record is sparse.

99009'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. Treat 99009 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.