ZIP 99109 Foreclosure, Tax-Lien & Distress Report

ZIP code 99109 in Stevens County, Washington carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. Structurally it carries 49/100, against 1/100 of stress already in motion. Its heaviest discrete signals: construction/permit lag (62/100), structural risk (49/100), institutional ownership (38/100). institutional ownership (38/100) and mortgage stress (4/100) stay muted. Environmental exposure also runs high (FEMA disaster exposure (78/100)).

The market reads contraction — home values fell 0.5% year on year, and 5% higher over three years, at 17/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

5,075 residents call 99109 home, typically aged 54. Home values center near $327,400, an affordability ratio of 4.5×. The ZIP holds roughly 2,653 housing units. The tenure split is 80% owner-occupied to 20% rented. Educational attainment sits at 22% bachelor's-or-above. Rent burden reaches 16% of tenant households. Median household income is $61,354, below the U.S. median near $78,000. Roughly 12.1% live below the poverty line. Vacancy runs 12.8%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 99109 scores 30/100.

Net-net, 99109 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 99109 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 99109 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 99109 can be compared directly against any other ZIP in Stevens County, Washington or nationwide. Sparse data for 99109 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 99109 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. For a buyer, 99109 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.