ZIP 99021 Foreclosure, Tax-Lien & Distress Report
Spokane County, Washington · Cooling Market market
ZIP code 99021 in Spokane County, Washington carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (79/100), institutional ownership (71/100), construction/permit lag (62/100). On the quiet end sit mortgage stress (19/100). Structurally it carries 79/100, against 6/100 of stress already in motion. It additionally carries heavy environmental risk: FEMA disaster exposure (96/100), climate & FEMA risk (90/100), flood (NFIP) exposure (88/100).
Prices here sit in a contraction phase: values fell 0.5% over the trailing year, and 10% higher over three years (phase confidence 17/100). A cooling market tends to open discount-to-value windows.
About 29% have a four-year degree. Rent burden reaches 35% of tenant households. There are about 3,591 housing units across 99021. 9,226 residents call 99021 home, typically aged 42. Vacancy runs 8.5%. The demographic-stress sub-score lands at 31/100. Households earn a median $82,895 — near the roughly $78,000 national figure. The tenure split is 91% owner-occupied to 9% rented. The poverty rate is 6.0% — low. A median home runs $465,400 here, or 5.0 times local income.
Net-net, 99021 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 99021 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Big metro or rural, 99021 runs through one identical public-record model, so its 36/100 sits on the same scale as every other ZIP in Spokane County, Washington and the nation. Sparse data for 99021 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 99021 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 36/100 roll-up. In workflow terms, 99021 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 99021’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
99021 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 99021, the same set carried on every parcel.
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Rules-based scoring — each signal ties to a public dataset · methodology