ZIP 63012 Foreclosure, Tax-Lien & Distress Report

ZIP code 63012 in Jefferson County, Missouri carries a composite property-distress score of 31/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (91/100). Property-level stress concentrates in structural risk (69/100), construction/permit lag (60/100), institutional ownership (43/100). By contrast, mortgage stress (18/100) register low. Structural risk reads 69/100 against active distress of 5/100.

The peak-phase market in 63012 posted values that rose 3.9% over the year, and 32% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $250,800 here, or 2.3 times local income. The tenure split is 91% owner-occupied to 9% rented. 10,977 residents call 63012 home, typically aged 37. Median household income is $99,860, above the U.S. median near $78,000. Educational attainment sits at 25% bachelor's-or-above. On demographic stress specifically, 63012 scores 18/100. Vacancy runs 6.0%. Around 0% of renters are cost-burdened. The ZIP holds roughly 4,076 housing units. 4.5% of residents fall below the poverty threshold.

Overall, 63012 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 63012 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 63012 read uses the identical public-record model applied coast to coast, which means its 31/100 score means exactly what it means anywhere else, and 63012 stays directly comparable to neighboring ZIPs and the rest of Jefferson County, Missouri. Every figure is auditable to a public dataset and refreshed on ingest; 63012 shows blanks, not estimates, wherever the record is sparse.

Behind 63012's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 63012 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.