ZIP 74085 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 74085 (Payne County, Oklahoma) lands at 28/100 — low on DLRadar's distress scoring. Structural exposure scores 59 and live distress 6 on the 0–100 scale. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), climate & FEMA risk (81/100). Its heaviest discrete signals: construction/permit lag (63/100), structural risk (59/100), institutional ownership (48/100). On the quiet end sit mortgage stress (20/100).

Prices here sit in a peak phase: values rose 2.4% over the trailing year (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $200,400 here, or 4.2 times local income. The poverty rate is 24.4% — high, a tax-stress and distress correlate. The vacancy rate is 18.0% — elevated. Rent burden reaches 44% of tenant households. 2,391 residents call 74085 home, typically aged 46. Around 12% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,178 housing units. The demographic-stress sub-score lands at 38/100. Owners hold 76% of homes, renters 24%. Households earn a median $41,111 — below the roughly $78,000 national figure.

Net-net, 74085 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 74085 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 74085's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 74085 shows as blanks, never estimates, and the score updates on every fresh public filing.

74085's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 74085 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.