ZIP 99016 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 99016 (Spokane County, Washington) at a moderate 36/100 for overall property distress. Property-level stress concentrates in structural risk (79/100), institutional ownership (71/100), construction/permit lag (62/100). By contrast, mortgage stress (19/100) register low. Structural risk reads 79/100 against active distress of 6/100. Climate and flood risk are elevated too — FEMA disaster exposure (96/100), climate & FEMA risk (90/100), flood (NFIP) exposure (88/100).

The market reads contraction — home values fell 0.5% year on year, and 9% higher over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Households earn a median $94,253 — above the roughly $78,000 national figure. The tenure split is 75% owner-occupied to 25% rented. Around 44% of renters are cost-burdened. About 38% have a four-year degree. The poverty rate is 11.3%. Vacancy runs 3.4%. Population is roughly 20,260 with a median age of 39. On demographic stress specifically, 99016 scores 33/100. There are about 8,306 housing units across 99016. A median home runs $477,400 here, or 4.8 times local income.

Net-net, 99016 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 99016 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 99016 read uses the identical public-record model applied coast to coast, which means its 36/100 score means exactly what it means anywhere else, and 99016 stays directly comparable to neighboring ZIPs and the rest of Spokane County, Washington. Nothing here is interpolated — where a source is thin for 99016, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 99016 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 36/100 roll-up. For a buyer, 99016 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.