ZIP 64020 Foreclosure, Tax-Lien & Distress Report

ZIP 64020's composite property-distress score is 15/100 - DLRadar classes that as low for Lafayette County, Missouri. Its heaviest discrete signals: construction/permit lag (48/100), structural risk (34/100), institutional ownership (7/100). On the quiet end sit institutional ownership (7/100) and mortgage stress (4/100). The split runs 34/100 structural to 1/100 active on the ground.

The peak-phase market in 64020 posted values that rose 2.9% over the year, and 22% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

The vacancy rate is 17.0% — elevated. The typical home is worth about $201,500 (3.0× income, relatively affordable). The tenure split is 65% owner-occupied to 35% rented. The ZIP holds roughly 1,467 housing units. Roughly 17.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 45% of renters are cost-burdened. About 2,928 people live here, median age 50. Households earn a median $61,250 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 32/100. Educational attainment sits at 24% bachelor's-or-above.

Net-net, 64020 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 64020 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 64020's 15/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 64020 reflects the current record instead of a stale or modeled snapshot.

Behind 64020'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 64020 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.