ZIP 74085 Foreclosure, Tax-Lien & Distress Report
Payne County, Oklahoma · High Vacancy market
Composite property distress in 74085 (Payne County, Oklahoma) lands at 25/100 — low on DLRadar's public-record scoring. Structural exposure scores 51 and live distress 6 on the 0–100 scale. It additionally carries heavy environmental risk: FEMA disaster exposure (91/100), climate & FEMA risk (81/100). Its heaviest discrete signals: structural risk (51/100), institutional ownership (49/100), construction/permit lag (29/100). On the quiet end sit construction/permit lag (29/100) and 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 to public records.
The number is not local guesswork: 74085's 25/100 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.
Distress signal breakdown — ZIP 74085
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
ZIP 74085 Stress Report snapshot
A live read on 74085: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent Payne County ZIP reports
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The complete 74085 distress and acquisition report
See who owns each distressed property in 74085, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
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