ZIP 99181 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 99181 (Stevens County, Washington) at a low 22/100 for overall property distress. The split runs 47/100 structural to 1/100 active on the ground. Climate and flood risk are elevated too — FEMA disaster exposure (68/100). The sharpest non-environmental signals are construction/permit lag (62/100), structural risk (47/100), institutional ownership (37/100). By contrast, institutional ownership (37/100) and mortgage stress (4/100) register low.

The market reads contraction — home values fell 0.5% year on year, and 39% higher over three years (phase confidence 17/100). A cooling market tends to open discount-to-value windows.

About 2,004 people live here, median age 54. The typical home is worth about $267,600 (4.3× income). The tenure split is 84% owner-occupied to 16% rented. Around 15% of adults hold a bachelor's degree or higher. Vacancy runs 16.9%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,154 housing units. Households earn a median $59,167 — below the roughly $78,000 national figure. Roughly 17.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The demographic-stress sub-score lands at 37/100. Around 60% of renters are cost-burdened.

Net-net, 99181 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 99181 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 99181 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 99181 can be compared directly against any other ZIP in Stevens County, Washington or nationwide. Nothing here is interpolated — where a source is thin for 99181, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 99181's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 99181 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.