ZIP 63038 Foreclosure, Tax-Lien & Distress Report
St. Louis County, Missouri · Distress market
ZIP code 63038 in St. Louis County, Missouri carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic distress index. The latent-versus-live split is 73/100 structural and 6/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (95/100). Property-level stress concentrates in structural risk (73/100), construction/permit lag (53/100), institutional ownership (52/100). On the quiet end sit mortgage stress (21/100).
The market reads peak — home values rose 3.9% year on year, and 19% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Home values center near $580,800, an affordability ratio of 2.9× — accessible. Around 13% of renters are cost-burdened. Owners hold 95% of homes, renters 5%. DLRadar's demographic-stress index for the area reads 17/100. About 7,132 people live here, median age 46. The poverty rate is 1.5% — low. Vacancy runs 9.0%. At $187,906, median income runs above typical U.S. levels. There are about 2,740 housing units across 63038. About 64% have a four-year degree.
Overall, 63038 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 63038 at the moment; the composite and its components are still built from verifiable records.
Because one deterministic model scores every ZIP, 63038's 33/100 can be lined up against any neighbor in St. Louis County, Missouri or any ZIP coast to coast. 63038 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 63038 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 33/100 roll-up. The point of the 63038 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 63038
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 63038 by the numbers
A live read on 63038: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent St. Louis County ZIP reports
Nearest ZIP codes to 63038
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
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Unlock the full ZIP 63038 acquisition report
The full 63038 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Deterministic. Every signal traces to a public dataset · methodology