ZIP 65631 Foreclosure, Tax-Lien & Distress Report

Christian County, Missouri's ZIP 65631 registers 21/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (73/100), flood (NFIP) exposure (66/100). On the structural side it scores 48/100, with 2/100 of stress already active. The most distinctive pressure shows up in construction/permit lag (52/100), structural risk (48/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (8/100).

The market reads neutral — home values rose 3.9% year on year, and 20% higher over three years, at 20/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. Population is roughly 6,175 with a median age of 36. The ZIP holds roughly 2,378 housing units. The vacancy rate is 2.7%. Median household income is $91,250, above the U.S. median near $78,000. About 27% have a four-year degree. Rent burden reaches 47% of tenant households. DLRadar's demographic-stress index for the area reads 26/100. 81% of housing is owner-occupied. The typical home is worth about $247,700 (2.4× income, relatively affordable).

Overall 65631 looks resilient on the surface, so the edge is isolating individual stressed parcels. 65631 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 65631's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 65631, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 65631 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. Treat 65631 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.