ZIP 99138 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 99138 (Ferry County, Washington) at a low 22/100 for overall property distress. Structural exposure scores 47 and live distress 5 on the 0–100 scale. Its standout signals are construction/permit lag (68/100), structural risk (47/100), institutional ownership (45/100). On the quiet end sit mortgage stress (17/100). Climate and flood risk are elevated too — FEMA disaster exposure (83/100).

The market reads peak — home values rose 1.2% year on year (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

Home values center near $218,100, an affordability ratio of 4.0×. At $51,094, median income runs below typical U.S. levels. The vacancy rate is 32.3% — elevated. The ZIP holds roughly 670 housing units. Owners hold 64% of homes, renters 36%. The poverty rate is 21.3% — high, a tax-stress and distress correlate. About 1,173 people live here, median age 44. Educational attainment sits at 20% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 37/100. Around 34% of renters are cost-burdened.

Taken together, 99138 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 99138 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 99138's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed as records update; 99138 shows blanks, not estimates, wherever the record is sparse.

The 22/100 figure for 99138 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. Treat 99138 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.