ZIP 63301 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 63301 (St. Charles County, Missouri) returns a low composite of 25/100. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (93/100). The latent-versus-live split is 56/100 structural and 2/100 already moving. Property-level stress concentrates in structural risk (56/100), construction/permit lag (41/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (8/100) register low.

The market reads peak — home values rose 3.9% year on year, and 20% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $267,600 here, or 3.0 times local income. Rent burden reaches 28% of tenant households. Households earn a median $83,551 — near the roughly $78,000 national figure. 51,625 residents call 63301 home, typically aged 38. Roughly 6.8% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 22,896 housing units. Around 39% of adults hold a bachelor's degree or higher. The tenure split is 70% owner-occupied to 30% rented. The demographic-stress sub-score lands at 25/100. Vacancy runs 6.8%.

Overall, 63301 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 63301 runs through one identical public-record model, so its 25/100 sits on the same scale as every other ZIP in St. Charles County, Missouri and the nation. The score is rebuilt from public data as it updates, so 63301 reflects the current record instead of a stale or modeled snapshot.

Each component behind 63301 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. In workflow terms, 63301 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.