ZIP 64089 Property Distress & Foreclosure Data

ZIP code 64089 in Clay County, Missouri carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (87/100). The latent-versus-live split is 41/100 structural and 1/100 already moving. What sets it apart are the readings on construction/permit lag (42/100), structural risk (41/100), institutional ownership (7/100). By contrast, institutional ownership (7/100) and mortgage stress (4/100) register low.

The market reads peak — home values rose 4.5% year on year, and 19% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

DLRadar's demographic-stress index for the area reads 22/100. Around 13% of renters are cost-burdened. 7.0% of residents fall below the poverty threshold. Educational attainment sits at 34% bachelor's-or-above. Median household income is $101,063, above the U.S. median near $78,000. 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. Owners hold 85% of homes, renters 15%.

Overall 64089 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.