ZIP 99786 Foreclosure, Tax-Lien & Distress Report

ZIP code 99786 in Northwest Arctic County, Alaska carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (73/100), FEMA disaster exposure (60/100). The latent-versus-live split is 65/100 structural and 8/100 already moving. Its standout signals are construction/permit lag (100/100), structural risk (65/100), institutional ownership (48/100). mortgage stress (26/100) stay muted.

The peak-phase market in 99786 posted values that held roughly flat over the year, at 35/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The demographic-stress sub-score lands at 27/100. Population is roughly 201 with a median age of 34. Median household income is $41,563, below the U.S. median near $78,000. Rent burden reaches 0% of tenant households. There are about 106 housing units across 99786. Around 6% of adults hold a bachelor's degree or higher. The poverty rate is 31.3% — high, a tax-stress and distress correlate. The typical home is worth about $96,900 (2.1× income, relatively affordable). 87% of housing is owner-occupied. Vacancy runs 30.3%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 99786 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 99786 is not published yet -- the ZIP-level readings above remain fully sourced.

The 99786 read uses the identical scoring model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 99786 stays directly comparable to neighboring ZIPs and the rest of Northwest Arctic County, Alaska. Nothing here is interpolated — where a source is thin for 99786, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 28/100 figure for 99786 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. The point of the 99786 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.