ZIP 99157 Foreclosure, Tax-Lien & Distress Report

ZIP code 99157 in Stevens County, Washington carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. What sets it apart are the readings on construction/permit lag (62/100), structural risk (47/100), institutional ownership (37/100). On the quiet end sit institutional ownership (37/100) and mortgage stress (4/100). On the structural side it scores 47/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (68/100).

Prices here sit in a contraction phase: values fell 0.5% over the trailing year, at 17/100 phase confidence. A cooling market tends to open discount-to-value windows.

There are about 403 housing units across 99157. The vacancy rate is 21.4% — elevated. On demographic stress specifically, 99157 scores 29/100. Around 22% of adults hold a bachelor's degree or higher. The poverty rate is 8.0%. 71% of housing is owner-occupied. Around 14% of renters are cost-burdened. 719 residents call 99157 home, typically aged 47. Households earn a median $44,969 — below the roughly $78,000 national figure. Home values center near $232,600, an affordability ratio of 4.2×.

Taken together, 99157 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 99157 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 99157 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 99157 shows as blanks, never estimates, and the score updates on every fresh public filing.

99157's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 99157 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.