ZIP 74131 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 74131 (Creek County, Oklahoma) returns a low composite of 24/100. Environmental exposure also runs high (FEMA disaster exposure (91/100), climate & FEMA risk (82/100)). Property-level stress concentrates in institutional ownership (50/100), structural risk (48/100), mortgage stress (20/100). By contrast, mortgage stress (20/100) and construction/permit lag (19/100) register low. On the structural side it scores 48/100, with 6/100 of stress already active.

The market reads peak — home values rose 3.6% year on year, and 17% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 82% owner-occupied to 18% rented. A median home runs $209,000 here, or 2.9 times local income. The ZIP holds roughly 1,097 housing units. Educational attainment sits at 26% bachelor's-or-above. About 2,317 people live here, median age 47. Rent burden reaches 33% of tenant households. Vacancy runs 13.9%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 74131 scores 28/100. Median household income is $64,653, below the U.S. median near $78,000. 15.4% of residents fall below the poverty threshold.

Net-net, 74131 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 74131 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 74131's 24/100 can be lined up against any neighbor in Creek County, Oklahoma or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 74131 shows blanks, not estimates, wherever the record is sparse.

Each component behind 74131 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. Practically, 74131 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.