ZIP 63385 Foreclosure, Tax-Lien & Distress Report
St. Charles County, Missouri · Distress market
ZIP code 63385 in St. Charles County, Missouri carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic distress index. Property-level stress concentrates in structural risk (52/100), construction/permit lag (28/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (8/100). The split runs 52/100 structural to 2/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (86/100).
The peak-phase market in 63385 posted values that rose 3.9% over the year, and 20% higher over three years, at 26/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Median household income is $111,851, above the U.S. median near $78,000. The poverty rate is 4.9% — low. Vacancy runs 2.6%. Owners hold 86% of homes, renters 14%. Educational attainment sits at 39% bachelor's-or-above. The demographic-stress sub-score lands at 24/100. Around 37% of renters are cost-burdened. The ZIP holds roughly 18,489 housing units. Population is roughly 50,420 with a median age of 37. Home values center near $347,200, an affordability ratio of 2.9× — accessible.
Overall 63385 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 63385 is not published yet -- the ZIP-level readings above remain fully sourced.
The 63385 read uses the identical scoring model applied coast to coast, which means its 23/100 score means exactly what it means anywhere else, and 63385 stays directly comparable to neighboring ZIPs and the rest of St. Charles County, Missouri. Where the record is thin for 63385, the field stays empty rather than modeled, and fills in as new documents post.
63385's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 63385 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 63385
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
63385 at a glance
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent St. Charles County ZIP reports
Nearest ZIP codes to 63385
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Keep going: ZIP, county and state distress coverage for St. Charles County, Missouri.
See every distressed parcel in 63385
See who owns each distressed property in 63385, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology