ZIP 65401 Foreclosure, Tax-Lien & Distress Report
Phelps County, Missouri · Distress market
ZIP 65401's composite property-distress score is 19/100 - DLRadar classes that as low for Phelps County, Missouri. Latent structural risk is 43/100 while live distress already moving reads 6/100. Leading the profile are institutional ownership (45/100), structural risk (43/100), mortgage stress (21/100). On the quiet end sit mortgage stress (21/100). Environmental exposure also runs high (flood (NFIP) exposure (85/100)).
The market reads peak — home values rose 3.5% year on year, and 18% higher over three years, at 25/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The vacancy rate is 11.1%. The ZIP holds roughly 14,544 housing units. 56% of housing is owner-occupied. Around 41% of renters are cost-burdened. About 32,476 people live here, median age 33. 17.8% of residents fall below the poverty threshold. The typical home is worth about $222,800 (3.9× income, relatively affordable). On demographic stress specifically, 65401 scores 34/100. Households earn a median $52,768 — below the roughly $78,000 national figure. Around 36% of adults hold a bachelor's degree or higher.
Overall, 65401 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 65401 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 65401 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 65401 reflects the current record instead of a stale or modeled snapshot.
65401's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 65401 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 65401’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
65401 at a glance
Current distress, phase, housing and lender-pressure figures for 65401, drawn from the same report attached to each property.
Nearby ZIPs in Phelps County
Keep exploring Missouri distress
Further distress data across Phelps County, Missouri at ZIP, county and state level.
Get the full acquisition report for 65401
The full 65401 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
No modelling: every input is a public record · methodology