ZIP 74074 Foreclosure, Tax-Lien & Distress Report

In Payne County, Oklahoma, ZIP 74074 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. The latent-versus-live split is 52/100 structural and 6/100 already moving. The pressure is most legible in structural risk (52/100), institutional ownership (49/100), construction/permit lag (30/100). construction/permit lag (30/100) and mortgage stress (20/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (91/100), climate & FEMA risk (84/100).

The market reads peak — home values rose 2.2% year on year, and 19% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 49% owner-occupied to 51% rented. DLRadar's demographic-stress index for the area reads 40/100. About 31,934 people live here, median age 27. Rent burden reaches 62% of tenant households. A median home runs $258,700 here, or 4.9 times local income. The ZIP holds roughly 14,661 housing units. Vacancy runs 10.8%. Median household income is $50,245, below the U.S. median near $78,000. Educational attainment sits at 51% bachelor's-or-above. 24.8% of residents fall below the poverty threshold.

Net-net, 74074 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 74074's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 74074, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 74074'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. Treat 74074 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.