ZIP 63109 Foreclosure, Tax-Lien & Distress Report

In St. Louis County, Missouri, ZIP 63109 scores 25 of 100 for composite distress, a low level on DLRadar's distress index. Its heaviest discrete signals: structural risk (54/100), institutional ownership (38/100), mortgage stress (20/100). By contrast, mortgage stress (20/100) and construction/permit lag (12/100) register low. Latent structural risk is 54/100 while live distress already moving reads 6/100. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (63/100).

The market reads peak — home values rose 3.9% year on year, and 15% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 6.2%. Population is roughly 25,743 with a median age of 41. Median household income is $71,563, near the U.S. median near $78,000. Around 33% of renters are cost-burdened. On demographic stress specifically, 63109 scores 26/100. Around 52% of adults hold a bachelor's degree or higher. There are about 15,066 housing units across 63109. The typical home is worth about $264,700 (3.4× income, relatively affordable). Roughly 9.8% live below the poverty line. 63% of housing is owner-occupied.

Net-net, 63109 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 63109 at the moment; the composite and its components are still built from verifiable records.

The 63109 read uses the identical scoring model applied coast to coast, which means its 25/100 score means exactly what it means anywhere else, and 63109 stays directly comparable to neighboring ZIPs and the rest of St. Louis County, Missouri. Nothing here is interpolated — where a source is thin for 63109, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 25/100 figure for 63109 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, 63109 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.