ZIP 99204 Foreclosure, Tax-Lien & Distress Report

ZIP 99204's composite property-distress score is 36/100 - DLRadar classes that as moderate for Spokane County, Washington. Climate and flood risk are elevated too — FEMA disaster exposure (96/100), climate & FEMA risk (90/100), flood (NFIP) exposure (88/100). Its heaviest discrete signals: structural risk (79/100), institutional ownership (71/100), construction/permit lag (62/100). mortgage stress (19/100) stay muted. The latent-versus-live split is 79/100 structural and 6/100 already moving.

The contraction-phase market in 99204 posted values that fell 0.5% over the year, and 0% higher over three years (phase confidence 17/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The typical home is worth about $397,700 (7.1× income, severely stretched). There are about 4,377 housing units across 99204. The tenure split is 31% owner-occupied to 69% rented. DLRadar's demographic-stress index for the area reads 45/100. 7,519 residents call 99204 home, typically aged 33. Vacancy runs 7.8%. Households earn a median $50,266 — below the roughly $78,000 national figure. Around 38% of adults hold a bachelor's degree or higher. Rent burden reaches 38% of tenant households. The poverty rate is 18.8% — high, a tax-stress and distress correlate.

Taken together, 99204 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 99204 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 99204 runs hot or quiet, its 36/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 99204 can be compared directly against any other ZIP in Spokane County, Washington or nationwide. The score is rebuilt from public data as it updates, so 99204 reflects the current record instead of a stale or modeled snapshot.

99204'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, 99204 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.