ZIP 63304 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 63304 (St. Charles County, Missouri) lands at 23/100 — low on DLRadar's distress scoring. Structural exposure scores 52 and live distress 2 on the 0–100 scale. The pressure is most legible in structural risk (52/100), construction/permit lag (28/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (86/100).

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 18% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

Home values center near $351,000, an affordability ratio of 2.9× — accessible. At $114,124, median income runs above typical U.S. levels. Owners hold 88% of homes, renters 12%. The ZIP holds roughly 16,690 housing units. About 43,389 people live here, median age 41. Educational attainment sits at 48% bachelor's-or-above. The vacancy rate is 2.7%. 4.0% of residents fall below the poverty threshold. On demographic stress specifically, 63304 scores 24/100. Around 50% of renters are cost-burdened.

Broadly, 63304 is a steadier market — the deals are the exceptions, not the rule. While 63304 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 63304 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 63304 stays directly comparable to neighboring ZIPs and the rest of St. Charles County, Missouri. The score is rebuilt from public data as it updates, so 63304 reflects the current record instead of a stale or modeled snapshot.

Behind 63304'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. The point of the 63304 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.