ZIP 63389 Foreclosure, Tax-Lien & Distress Report

In Lincoln County, Missouri, ZIP 63389 scores 18 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (90/100), climate & FEMA risk (70/100). The latent-versus-live split is 42/100 structural and 2/100 already moving. Property-level stress concentrates in structural risk (42/100), institutional ownership (20/100), construction/permit lag (15/100). On the quiet end sit construction/permit lag (15/100) and mortgage stress (8/100).

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 14% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 2,673 housing units across 63389. Roughly 10.0% live below the poverty line. Home values center near $236,900, an affordability ratio of 2.4× — accessible. Around 14% of adults hold a bachelor's degree or higher. Around 30% of renters are cost-burdened. About 7,159 people live here, median age 39. Median household income is $92,646, above the U.S. median near $78,000. 75% of housing is owner-occupied. The demographic-stress sub-score lands at 26/100. Vacancy runs 4.2%.

Overall 63389 looks resilient on the surface, so the edge is isolating individual stressed parcels. No parcel file is published for 63389 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 63389 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 63389 reflects the current record instead of a stale or modeled snapshot.

The 18/100 for 63389 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, 63389 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.