ZIP 64089 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 64089 (Clay County, Missouri) returns a low composite of 24/100. Environmental exposure also runs high (climate & FEMA risk (87/100)). On the structural side it scores 55/100, with 1/100 of stress already active. The sharpest non-environmental signals are construction/permit lag (90/100), structural risk (55/100), institutional ownership (8/100). By contrast, institutional ownership (8/100) and mortgage stress (4/100) register low.

The market reads peak — home values rose 2.8% year on year, and 19% higher over three years (phase confidence 20/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

DLRadar's demographic-stress index for the area reads 22/100. Around 13% of renters are cost-burdened. The poverty rate is 7.0% — low. Around 34% of adults hold a bachelor's degree or higher. Households earn a median $101,063 — above the roughly $78,000 national figure. The ZIP holds roughly 5,648 housing units. The vacancy rate is 2.6%. About 14,060 people live here, median age 39. Home values center near $327,200, an affordability ratio of 3.0× — accessible. 85% of housing is owner-occupied.

On balance, 64089 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 64089 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 64089 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Clay County, Missouri and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 64089 shows blanks, not estimates, wherever the record is sparse.

The 24/100 figure for 64089 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 64089 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.