ZIP 74054 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 74054 (Osage County, Oklahoma) at a low 23/100 for overall property distress. On the structural side it scores 50/100, with 7/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (74/100), FEMA disaster exposure (71/100), flood (NFIP) exposure (66/100). The pressure is most legible in institutional ownership (55/100), structural risk (50/100), mortgage stress (23/100). By contrast, mortgage stress (23/100) register low.

The market reads peak — home values rose 3.6% year on year, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $73,100 here, or 1.6 times local income. Rent burden reaches 14% of tenant households. There are about 365 housing units across 74054. Around 4% of adults hold a bachelor's degree or higher. Vacancy runs 16.9%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 26/100. 853 residents call 74054 home, typically aged 44. The poverty rate is 22.4% — high, a tax-stress and distress correlate. 80% of housing is owner-occupied. Households earn a median $46,607 — below the roughly $78,000 national figure.

Taken together, 74054 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 74054 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 74054 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 74054 can be compared directly against any other ZIP in Osage County, Oklahoma or nationwide. Nothing here is interpolated — where a source is thin for 74054, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 23/100 for 74054 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 74054 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.