ZIP 65040 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 65040 (Cole County, Missouri) returns a low composite of 21/100. Environmental exposure also runs high (climate & FEMA risk (74/100), flood (NFIP) exposure (67/100)). On the structural side it scores 48/100, with 2/100 of stress already active. The sharpest non-environmental signals are structural risk (48/100), construction/permit lag (43/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (7/100) register low.

Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 28% higher over three years, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

On demographic stress specifically, 65040 scores 19/100. Vacancy runs 18.8%, above the national norm and a classic distress-and-opportunity signal. Around 0% of renters are cost-burdened. Around 31% of adults hold a bachelor's degree or higher. 92% of housing is owner-occupied. Population is roughly 1,468 with a median age of 36. Roughly 6.7% live below the poverty line, a low share typical of higher-equity areas. A median home runs $225,800 here, or 2.2 times local income. Median household income is $87,434, above the U.S. median near $78,000. There are about 532 housing units across 65040.

On the whole, 65040 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 65040 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 65040 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 65040, the field stays empty rather than modeled, and fills in as new documents post.

65040's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 65040 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.