ZIP 74032 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 74032 (Payne County, Oklahoma) at a low 22/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (83/100), climate & FEMA risk (72/100). Leading the profile are structural risk (46/100), institutional ownership (45/100), construction/permit lag (30/100). construction/permit lag (30/100) and mortgage stress (19/100) stay muted. Structural exposure scores 46 and live distress 6 on the 0–100 scale.

Prices here sit in a peak phase: values rose 2.4% over the trailing year, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 21.1% — elevated. On demographic stress specifically, 74032 scores 27/100. A median home runs $138,100 here, or 2.2 times local income. The tenure split is 80% owner-occupied to 20% rented. Around 18% of adults hold a bachelor's degree or higher. There are about 910 housing units across 74032. Population is roughly 1,675 with a median age of 51. The poverty rate is 17.4% — high, a tax-stress and distress correlate. Median household income is $61,250, below the U.S. median near $78,000. Around 27% of renters are cost-burdened.

On the whole, 74032 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 74032 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 74032's 22/100 can be lined up against any neighbor in Payne County, Oklahoma or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 74032, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 74032'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, 74032 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.