ZIP 64778 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 64778 (Vernon County, Missouri) at a low 20/100 for overall property distress. Environmental exposure also runs high (flood (NFIP) exposure (85/100), FEMA disaster exposure (65/100)). The sharpest non-environmental signals are institutional ownership (54/100), structural risk (44/100), mortgage stress (21/100). mortgage stress (21/100) stay muted. The latent-versus-live split is 44/100 structural and 6/100 already moving.

Prices here sit in a peak phase: values rose 4.4% over the trailing year (phase confidence 29/100). Topping markets hide individual distress behind strong averages.

369 residents call 64778 home, typically aged 46. DLRadar's demographic-stress index for the area reads 18/100. The typical home is worth about $151,700. Owners hold 89% of homes, renters 11%. Vacancy runs 23.1%, above the national norm and a classic distress-and-opportunity signal. Around 0% of renters are cost-burdened. About 23% have a four-year degree. There are about 207 housing units across 64778. 3.3% of residents fall below the poverty threshold. Median household income is $57,212, below the U.S. median near $78,000.

On the whole, 64778 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 64778 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 64778 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 64778, the field stays empty rather than modeled, and fills in as new documents post.

Behind 64778'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. The point of the 64778 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.