ZIP 74020 Foreclosure, Tax-Lien & Distress Report

In Pawnee County, Oklahoma, ZIP 74020 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Property-level stress concentrates in construction/permit lag (100/100), structural risk (58/100), institutional ownership (52/100). By contrast, mortgage stress (22/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (91/100). Structural exposure scores 58 and live distress 7 on the 0–100 scale.

The peak-phase market in 74020 posted values that rose 3.6% over the year, and 24% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The poverty rate is 19.3% — high, a tax-stress and distress correlate. Population is roughly 7,365 with a median age of 42. About 17% have a four-year degree. 76% of housing is owner-occupied. Around 37% of renters are cost-burdened. The demographic-stress sub-score lands at 29/100. The ZIP holds roughly 3,509 housing units. The vacancy rate is 15.7% — elevated. Median household income is $61,188, below the U.S. median near $78,000. Home values center near $146,600, an affordability ratio of 2.3× — accessible.

Taken together, 74020 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 74020 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 74020 can be compared directly against any other ZIP in Pawnee County, Oklahoma or nationwide. Where the public record is thin for 74020, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 74020 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. In workflow terms, 74020 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.