ZIP 63138 Foreclosure, Tax-Lien & Distress Report

St. Louis County, Missouri's ZIP 63138 registers 33/100 composite distress, which DLRadar reads as moderate. The pressure is most legible in structural risk (73/100), construction/permit lag (53/100), institutional ownership (52/100). By contrast, mortgage stress (21/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (94/100). The latent-versus-live split is 73/100 structural and 6/100 already moving.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 11% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $51,714, median income runs below typical U.S. levels. The poverty rate is 16.9% — high, a tax-stress and distress correlate. Population is roughly 18,736 with a median age of 35. Around 15% of adults hold a bachelor's degree or higher. Rent burden reaches 53% of tenant households. On demographic stress specifically, 63138 scores 34/100. The ZIP holds roughly 9,082 housing units. The vacancy rate is 17.8% — elevated. The typical home is worth about $139,100 (2.4× income, relatively affordable). 50% of housing is owner-occupied.

On the whole, 63138 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 63138 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 63138 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 63138, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 33/100 for 63138 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 63138 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.