Payne County, OK: Foreclosures, Tax Liens & Distressed Properties

For Payne County, Oklahoma, DLRadar turns county and parcel public records into a single distress score per ZIP. Lender pressure in Payne County registers 51/100 — a moderate bank-stress headwind. ZIP-level distress ranges from 26/100 at the top down to 19/100. There are 15 scored ZIPs in the county (mean composite 24/100).

The county market is in a peak phase: home prices rose 2.2% over the past year, a 23/100-confidence read. At this stage of the cycle, blanket buying underperforms leaving the wins in individual deals.

At +2.2% YoY and 23/100 confidence, opportunity is parcel-specific and a county-wide sweep stays on the shelf. A mid-cycle 51/100 lender reading points to both signal sets in play here.

Highest scores land in 74045 (26/100), 73027 (25/100), 74062 (25/100), 74074 (25/100), 74077 (25/100), 74078 (25/100); each opens to a full parcel breakdown. Also scored across the county: 74085, 73063, 74023, 74030, 74059, 74075, 74824, 74032, 73073.

Demographically, Payne County's tracked footprint run a 16.5% poverty rate, vacancy near 28%, a median household income near $49,642 (below the US norm), median home values around $184,069 (below the national figure), an owner-occupied share of 74%, a median age of 38.5. Read together, they drive who sells under pressure and how fast a deal moves.

All in at 24/100 over 15 ZIPs, the opportunity hides below the average — work it parcel by parcel. A DLRadar subscription opens every Payne County parcel: owner and contact detail, APN, a score, the bank behind the note and how fast it should sell.

No county is too small to score: Payne County, Oklahoma runs through the same foreclosure, tax, lien and bank-stress model as every major metro, so Payne County's numbers mean exactly what they mean anywhere else in Oklahoma.

Payne County, Oklahoma is best worked from the top of the score down; blanket outreach across Payne County dilutes effort that the ZIP-level numbers would have focused. All Payne County inputs are public record — recorder, court, FHFA and FDIC — and the score is rebuilt on ingest rather than modelled forward.

At the ZIP level, the sharpest readings in Payne County are 74045 (26/100), 73027 (25/100), 74062 (25/100), 74074 (25/100), 74077 (25/100), 74078 (25/100). DLRadar also scores 74085, 73063, 74023, 74030, 74059, 74075, 74824, 74032 and more across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

Under Payne 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.