ZIP 74431 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 74431 in Okmulgee County, Oklahoma comes in at 16, a low composite-distress reading. Its standout signals are structural risk (36/100), institutional ownership (17/100), mortgage stress (5/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (5/100). Climate and flood risk are elevated too — flood (NFIP) exposure (75/100), climate & FEMA risk (70/100). The latent-versus-live split is 36/100 structural and 1/100 already moving.

Prices here sit in a peak phase: values rose 3.6% over the trailing year (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 378 housing units across 74431. The demographic-stress sub-score lands at 26/100. Around 33% of renters are cost-burdened. Vacancy runs 13.7%, above the national norm and a classic distress-and-opportunity signal. Roughly 15.7% live below the poverty line. About 869 people live here, median age 41. Educational attainment sits at 7% bachelor's-or-above. Home values center near $92,500, an affordability ratio of 1.5× — accessible. Households earn a median $58,000 — below the roughly $78,000 national figure. The tenure split is 79% owner-occupied to 21% rented.

Taken together, 74431 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 74431 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 74431 read uses the identical scoring model applied coast to coast, which means its 16/100 score means exactly what it means anywhere else, and 74431 stays directly comparable to neighboring ZIPs and the rest of Okmulgee County, Oklahoma. Where the record is thin for 74431, the field stays empty rather than modeled, and fills in as new documents post.

74431's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 74431 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.