ZIP 74441 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 74441 (Cherokee County, Oklahoma) at a low 21/100 for overall property distress. On the structural side it scores 48/100, with 1/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (74/100). Leading the profile are construction/permit lag (100/100), structural risk (48/100), mortgage stress (4/100). On the quiet end sit mortgage stress (4/100) and institutional ownership (3/100).

The market reads peak — home values rose 2.2% year on year, and 62% higher over three years, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $158,400 here, or 2.8 times local income. On demographic stress specifically, 74441 scores 29/100. The ZIP holds roughly 2,445 housing units. Households earn a median $53,736 — below the roughly $78,000 national figure. 84% of housing is owner-occupied. The vacancy rate is 13.7% — elevated. Roughly 20.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 28% of renters are cost-burdened. 5,700 residents call 74441 home, typically aged 41. About 20% have a four-year degree.

Net-net, 74441 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 74441 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 74441 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in Cherokee County, Oklahoma and the nation. The score is rebuilt from public data as it updates, so 74441 reflects the current record instead of a stale or modeled snapshot.

The 21/100 figure for 74441 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 74441 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.