ZIP 99102 Foreclosure, Tax-Lien & Distress Report
Whitman County, Washington · High Vacancy market
ZIP 99102's composite property-distress score is 22/100 - DLRadar classes that as low for Whitman County, Washington. It additionally carries heavy environmental risk: flood (NFIP) exposure (80/100). Structural exposure scores 51 and live distress 6 on the 0–100 scale. Its heaviest discrete signals: structural risk (51/100), institutional ownership (47/100), construction/permit lag (44/100). By contrast, mortgage stress (21/100) register low.
The peak-phase market in 99102 posted values that held roughly flat over the year (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
45% of housing is owner-occupied. Around 19% of renters are cost-burdened. The ZIP holds roughly 246 housing units. Around 36% of adults hold a bachelor's degree or higher. At $55,750, median income runs below typical U.S. levels. DLRadar's demographic-stress index for the area reads 27/100. Roughly 6.9% live below the poverty line, a low share typical of higher-equity areas. 448 residents call 99102 home, typically aged 35. The vacancy rate is 12.8% — elevated. The typical home is worth about $230,700 (3.1× income, relatively affordable).
On the whole, 99102 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 99102 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Whether 99102 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 99102 can be compared directly against any other ZIP in Whitman County, Washington or nationwide. The score is rebuilt from public data as it updates, so 99102 reflects the current record instead of a stale or modeled snapshot.
The 22/100 figure for 99102 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 99102 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 99102 distress signals, scored
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 99102 by the numbers
Current distress, phase, housing and lender-pressure figures for 99102, drawn from the same report attached to each property.
Other Whitman County ZIP codes
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Open the complete 99102 acquisition file
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Rules-based scoring — each signal ties to a public dataset · methodology