Clay County, MO: Foreclosures, Tax Liens & Distressed Properties

Every ZIP in Clay County, Missouri carries a DLRadar distress score assembled from foreclosure, tax, mortgage and lender records. Bank/credit headwind for the county is 31 on a 0–100 scale, a contained reading. 23 ZIP codes are tracked county-wide, averaging 23/100 distress. ZIP-level distress ranges from 25/100 at the top down to 13/100.

Currently peak, Clay County saw prices rise 2.8% year over year, at 20/100 phase confidence. On a market plateau, the opportunity narrows so screen ZIP by ZIP.

Near the cycle top at +2.8% YoY (20/100 confidence), opportunity is parcel-specific and a county-wide sweep stays on the shelf. A contained 31/100 bank headwind favors tax delinquency, probate and liens.

Distress concentrates in ZIP 64060 (25/100), ZIP 64068 (25/100), ZIP 64072 (25/100), ZIP 64116 (25/100), ZIP 64117 (25/100), ZIP 64118 (25/100) — drill into any for the parcel-level read. Coverage extends to 64119, 64155, 64156, 64157, 64158, 64161, 64165, 64166, 64167, 64089 among others.

By the numbers, the ZIPs DLRadar tracks across Clay County run household income averaging about $89,749, above the national median, home values averaging roughly $287,191, below the US, poverty running near 8.2%, a 5.4% vacancy rate, a median age of 40.8, 75% of homes owner-occupied. These fundamentals set up which owners come under strain and how quickly stock clears.

At 23/100 composite over 23 ZIPs, the edge is selective acquisition and not a county-wide play. Inside DLRadar, each Clay County property carries owner, address and APN, its own score, the lender behind it and an exit read.

Because Clay County, Missouri is scored on the identical public-record model used nationwide, even a quiet county is measured on one scale — letting you weigh Clay County against neighboring markets or the rest of Missouri on equal footing.

The point of scoring Clay County, Missouri is to narrow it — the high-composite ZIPs carry the distress, and everything below them rarely repays the outreach cost. What supports the Clay County read is documentary: filings from the recorder and courts, federal price and bank data, and blanks wherever coverage is thin.

Drilling in, Clay County's highest-scoring ZIPs are 64060 (25/100), 64068 (25/100), 64072 (25/100), 64116 (25/100), 64117 (25/100), 64118 (25/100). DLRadar also scores 64119, 64155, 64156, 64157, 64158, 64161, 64165, 64166 and more across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

Under Clay County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.