ZIP 74451 Foreclosure, Tax-Lien & Distress Report

Cherokee County, Oklahoma's ZIP 74451 registers 21/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (74/100). The latent-versus-live split is 46/100 structural and 1/100 already moving. The most distinctive pressure shows up in construction/permit lag (93/100), structural risk (46/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

The market reads peak — home values rose 3.4% year on year, and 37% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

Median household income is $58,029, below the U.S. median near $78,000. 15.8% of residents fall below the poverty threshold. Home values center near $160,200, an affordability ratio of 2.6× — accessible. Around 46% of renters are cost-burdened. Educational attainment sits at 34% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 30/100. Owners hold 80% of homes, renters 20%. About 3,816 people live here, median age 46. The ZIP holds roughly 2,677 housing units. The vacancy rate is 31.7% — elevated.

Net-net, 74451 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.