ZIP 99218 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 99218 (Spokane County, Washington) at a moderate 36/100 for overall property distress. Property-level stress concentrates in structural risk (79/100), institutional ownership (71/100), construction/permit lag (62/100). On the quiet end sit mortgage stress (19/100). Climate and flood risk are elevated too — FEMA disaster exposure (96/100), climate & FEMA risk (90/100), flood (NFIP) exposure (88/100). On the structural side it scores 79/100, with 6/100 of stress already active.

Prices here sit in a contraction phase: values fell 0.5% over the trailing year, and 10% higher over three years (phase confidence 17/100). A cooling market tends to open discount-to-value windows.

Owners hold 54% of homes, renters 46%. Roughly 12.7% live below the poverty line. Around 51% of renters are cost-burdened. The typical home is worth about $445,300 (5.5× income). About 37% have a four-year degree. The demographic-stress sub-score lands at 39/100. There are about 6,622 housing units across 99218. The vacancy rate is 4.2%. Households earn a median $73,723 — near the roughly $78,000 national figure. 16,920 residents call 99218 home, typically aged 37.

Taken together, 99218 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 99218 at the moment; the composite and its components are still built from verifiable public records.

The 99218 read uses the identical public-record model applied coast to coast, which means its 36/100 score means exactly what it means anywhere else, and 99218 stays directly comparable to neighboring ZIPs and the rest of Spokane County, Washington. Where the public record is thin for 99218, the field stays empty rather than modeled, and fills in as new documents post.

The 36/100 for 99218 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 99218 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.