ZIP 63846 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 63846 in Stoddard County, Missouri comes in at 21, a low composite-distress reading. Its heaviest discrete signals: institutional ownership (43/100), structural risk (42/100), mortgage stress (19/100). mortgage stress (19/100) and construction/permit lag (10/100) stay muted. The latent-versus-live split is 42/100 structural and 6/100 already moving. Environmental exposure also runs high (climate & FEMA risk (73/100), FEMA disaster exposure (71/100)).

Prices here sit in a peak phase: values rose 4.4% over the trailing year (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

On demographic stress specifically, 63846 scores 27/100. Vacancy runs 25.4%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $58,421 — below the roughly $78,000 national figure. Rent burden reaches 28% of tenant households. Population is roughly 1,110 with a median age of 46. Educational attainment sits at 10% bachelor's-or-above. 80% of housing is owner-occupied. Home values center near $93,300, an affordability ratio of 1.7× — accessible. 19.1% of residents fall below the poverty threshold. The ZIP holds roughly 645 housing units.

Taken together, 63846 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 63846 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 63846 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 63846 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 63846'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. For a buyer, 63846 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.