ZIP 64077 Foreclosure, Tax-Lien & Distress Report

ZIP code 64077 in Ray County, Missouri carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic distress index. What sets it apart are the readings on construction/permit lag (53/100), structural risk (30/100), institutional ownership (4/100). By contrast, institutional ownership (4/100) and mortgage stress (2/100) register low. Structural risk reads 30/100 against active distress of 1/100.

The market reads peak — home values rose 2.8% year on year, and 38% higher over three years (phase confidence 20/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

85% of housing is owner-occupied. On demographic stress specifically, 64077 scores 22/100. The typical home is worth about $171,200 (2.2× income, relatively affordable). Rent burden reaches 12% of tenant households. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. There are about 708 housing units across 64077. About 1,643 people live here, median age 42. The poverty rate is 8.7%. Around 12% of adults hold a bachelor's degree or higher. Median household income is $71,786, near the U.S. median near $78,000.

Net-net, 64077 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 64077 at the moment; the composite and its components are still built from verifiable records.

Big metro or rural, 64077 runs through one identical scoring model, so its 14/100 sits on the same scale as every other ZIP in Ray County, Missouri and the nation. Sparse data for 64077 shows as blanks, never estimates, and the score updates on every fresh public filing.

64077's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 64077 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.