ZIP 63108 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 63108 (St. Louis County, Missouri) lands at 25/100 — low on DLRadar's distress scoring. Structural risk reads 54/100 against active distress of 6/100. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (63/100). Its heaviest discrete signals: structural risk (54/100), institutional ownership (39/100), mortgage stress (20/100). By contrast, mortgage stress (20/100) and construction/permit lag (12/100) register low.

The market reads peak — home values rose 3.9% year on year, and 8% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 15.7%, above the national norm and a classic distress-and-opportunity signal. About 64% have a four-year degree. Population is roughly 20,692 with a median age of 33. 27% of housing is owner-occupied. Households earn a median $56,933 — below the roughly $78,000 national figure. The poverty rate is 22.6% — high, a tax-stress and distress correlate. A median home runs $372,200 here, or 5.9 times local income. There are about 13,523 housing units across 63108. Around 41% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 41/100.

Taken together, 63108 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 63108 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 63108 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 63108, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 figure for 63108 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 63108 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.