ZIP 74023 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 74023 (Payne County, Oklahoma) returns a low composite of 24/100. Latent structural risk is 49/100 while live distress already moving reads 6/100. It additionally carries heavy environmental risk: FEMA disaster exposure (90/100), climate & FEMA risk (76/100). Its heaviest discrete signals: structural risk (49/100), institutional ownership (48/100), construction/permit lag (31/100). By contrast, construction/permit lag (31/100) and mortgage stress (20/100) register low.

The market reads peak — home values rose 1.9% year on year, and 22% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $145,400 here, or 2.8 times local income. Educational attainment sits at 16% bachelor's-or-above. Owners hold 61% of homes, renters 39%. On demographic stress specifically, 74023 scores 31/100. The ZIP holds roughly 5,382 housing units. The vacancy rate is 14.7% — elevated. 23.0% of residents fall below the poverty threshold. Around 28% of renters are cost-burdened. 12,097 residents call 74023 home, typically aged 38. Households earn a median $48,859 — below the roughly $78,000 national figure.

Net-net, 74023 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 74023 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 74023 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 74023 stays directly comparable to neighboring ZIPs and the rest of Payne County, Oklahoma. The score is rebuilt from public data as it updates, so 74023 reflects the current record instead of a stale or modeled snapshot.

74023's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 74023 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.