ZIP 74045 Foreclosure, Tax-Lien & Distress Report

In Pawnee County, Oklahoma, ZIP 74045 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Structural risk reads 58/100 against active distress of 0/100. Leading the profile are construction/permit lag (100/100), structural risk (58/100), institutional ownership (52/100). Climate and flood risk are elevated too — FEMA disaster exposure (91/100).

The market reads peak — home values rose 3.6% year on year (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

The tenure split is 81% owner-occupied to 19% rented. The ZIP holds roughly 143 housing units. Vacancy runs 27.0%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 20.9% — high, a tax-stress and distress correlate. Home values center near $231,300. Around 67% of renters are cost-burdened. About 273 people live here, median age 43. The demographic-stress sub-score lands at 39/100. About 19% have a four-year degree.

Net-net, 74045 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 74045 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 74045 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Pawnee County, Oklahoma and the nation. Where the public record is thin for 74045, the field stays empty rather than modeled, and fills in as new documents post.

Behind 74045'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. For an operator, 74045 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.