ZIP 64156 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 64156 (Clay County, Missouri) at a low 29/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (91/100), flood (NFIP) exposure (84/100). Its heaviest discrete signals: 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). Structural exposure scores 66 and live distress 1 on the 0–100 scale.

The peak-phase market in 64156 posted values that rose 2.8% over the year, and 14% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 3.5%. The typical home is worth about $410,800 (3.1× income, relatively affordable). DLRadar's demographic-stress index for the area reads 23/100. At $128,672, median income runs above typical U.S. levels. There are about 3,063 housing units across 64156. The poverty rate is 2.3% — low. Owners hold 72% of homes, renters 28%. Around 27% of renters are cost-burdened. Population is roughly 7,977 with a median age of 35. About 50% have a four-year degree.

On balance 64156 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 64156 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 64156 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 64156, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 64156 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. Practically, 64156 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.