ZIP 65109 Foreclosure, Tax-Lien & Distress Report

ZIP 65109's composite property-distress score is 22/100 - DLRadar classes that as low for Cole County, Missouri. Climate and flood risk are elevated too — flood (NFIP) exposure (80/100), climate & FEMA risk (77/100). Structural risk reads 51/100 against active distress of 2/100. What sets it apart are the readings on construction/permit lag (51/100), structural risk (51/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low.

Prices here sit in a peak phase: values rose 2.3% over the trailing year, and 30% higher over three years (phase confidence 37/100). Topping markets hide individual distress behind strong averages.

Vacancy runs 6.0%. The typical home is worth about $221,600 (2.8× income, relatively affordable). 8.7% of residents fall below the poverty threshold. Educational attainment sits at 45% bachelor's-or-above. Households earn a median $72,430 — near the roughly $78,000 national figure. The demographic-stress sub-score lands at 24/100. Rent burden reaches 24% of tenant households. About 40,390 people live here, median age 41. The tenure split is 65% owner-occupied to 35% rented. The ZIP holds roughly 18,329 housing units.

On balance 65109 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 65109 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: 65109 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 65109 shows blanks, not estimates, wherever the record is sparse.

Behind 65109'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. Practically, 65109 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.