ZIP 63104 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 63104 (St. Louis County, Missouri) lands at 26/100 — low on DLRadar's public-record scoring. Structural exposure scores 57 and live distress 6 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (87/100). The pressure is most legible in structural risk (57/100), institutional ownership (41/100), mortgage stress (20/100). On the quiet end sit mortgage stress (20/100) and construction/permit lag (7/100).

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 10% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

18,701 residents call 63104 home, typically aged 38. The tenure split is 48% owner-occupied to 52% rented. The vacancy rate is 10.4%. About 54% have a four-year degree. A median home runs $268,900 here, or 3.6 times local income. Rent burden reaches 38% of tenant households. Roughly 18.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. DLRadar's demographic-stress index for the area reads 31/100. There are about 11,176 housing units across 63104. Households earn a median $70,127 — near the roughly $78,000 national figure.

Overall, 63104 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 63104 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 63104 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 63104 reflects the current record instead of a stale or modeled snapshot.

Behind 63104'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 63104 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.