ZIP 74035 Foreclosure, Tax-Lien & Distress Report

Osage County, Oklahoma's ZIP 74035 registers 23/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (74/100), FEMA disaster exposure (71/100), flood (NFIP) exposure (66/100). The latent-versus-live split is 50/100 structural and 7/100 already moving. What sets it apart are the readings on institutional ownership (55/100), structural risk (50/100), mortgage stress (23/100). mortgage stress (23/100) stay muted.

Prices here sit in a peak phase: values rose 3.6% over the trailing year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The poverty rate is 21.1% — high, a tax-stress and distress correlate. The ZIP holds roughly 1,532 housing units. At $46,026, median income runs below typical U.S. levels. Vacancy runs 19.6%, above the national norm and a classic distress-and-opportunity signal. Around 41% of renters are cost-burdened. Population is roughly 4,031 with a median age of 42. About 11% have a four-year degree. The typical home is worth about $108,300 (2.2× income, relatively affordable). On demographic stress specifically, 74035 scores 31/100. Owners hold 73% of homes, renters 27%.

Taken together, 74035 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.

No ZIP is too small to score: 74035 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. 74035 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 74035 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. For a buyer, 74035 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.