ZIP 64728 Property Distress & Foreclosure Data

ZIP code 64728 in Vernon County, Missouri carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (86/100), FEMA disaster exposure (64/100). The latent-versus-live split is 69/100 structural and 6/100 already moving. What sets it apart are the readings on construction/permit lag (100/100), structural risk (69/100), institutional ownership (53/100). By contrast, mortgage stress (21/100) register low.

The market reads peak — home values rose 4.1% year on year (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

Median household income is $73,125, near the U.S. median near $78,000. Around 10% of renters are cost-burdened. Home values center near $125,000, an affordability ratio of 2.1× — accessible. About 348 people live here, median age 46. DLRadar's demographic-stress index for the area reads 23/100. The vacancy rate is 28.4% — elevated. Educational attainment sits at 24% bachelor's-or-above. Owners hold 92% of homes, renters 8%. 14.5% of residents fall below the poverty threshold. The ZIP holds roughly 201 housing units.

Net-net, 64728 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.