ZIP 63123 Foreclosure, Tax-Lien & Distress Report

ZIP 63123's composite property-distress score is 32/100 - DLRadar classes that as moderate for St. Louis County, Missouri. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (96/100). Structurally it carries 72/100, against 6/100 of stress already in motion. Its standout signals are structural risk (72/100), construction/permit lag (52/100), institutional ownership (49/100). On the quiet end sit mortgage stress (21/100).

The market reads peak — home values rose 3.9% year on year, and 18% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

74% of housing is owner-occupied. The poverty rate is 7.4% — low. Rent burden reaches 35% of tenant households. Educational attainment sits at 36% bachelor's-or-above. The vacancy rate is 5.8%. Population is roughly 49,826 with a median age of 41. Median household income is $74,187, near the U.S. median near $78,000. Home values center near $219,400, an affordability ratio of 2.8× — accessible. The demographic-stress sub-score lands at 25/100. The ZIP holds roughly 23,178 housing units.

On balance 63123 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 63123 read uses the identical public-record model applied coast to coast, which means its 32/100 score means exactly what it means anywhere else, and 63123 stays directly comparable to neighboring ZIPs and the rest of St. Louis County, Missouri. The score is rebuilt from public data as it updates, so 63123 reflects the current record instead of a stale or modeled snapshot.

Behind 63123'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. Treat 63123 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.