ZIP 64155 Foreclosure, Tax-Lien & Distress Report

In Clay County, Missouri, ZIP 64155 scores 29 of 100 for composite distress, a low level on DLRadar's distress index. The most distinctive pressure shows up in construction/permit lag (90/100), structural risk (66/100), institutional ownership (19/100). On the quiet end sit institutional ownership (19/100) and mortgage stress (4/100). On the structural side it scores 66/100, with 1/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (84/100).

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

At $96,909, median income runs above typical U.S. levels. Rent burden reaches 35% of tenant households. Vacancy runs 1.8%. About 44% have a four-year degree. There are about 11,559 housing units across 64155. The tenure split is 72% owner-occupied to 28% rented. Roughly 6.7% live below the poverty line, a low share typical of higher-equity areas. About 28,754 people live here, median age 36. DLRadar's demographic-stress index for the area reads 25/100. A median home runs $300,900 here, or 2.9 times local income.

Net-net, 64155 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 64155 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 64155 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 64155 can be compared directly against any other ZIP in Clay County, Missouri or nationwide. Where the record is thin for 64155, the field stays empty rather than modeled, and fills in as new documents post.

Behind 64155'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. Treat 64155 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.