ZIP 74538 Foreclosure, Tax-Lien & Distress Report

In Coal County, Oklahoma, ZIP 74538 scores 10 of 100 for composite distress, a minimal level on DLRadar's public-record index. The latent-versus-live split is 24/100 structural and 2/100 already moving. The most distinctive pressure shows up in construction/permit lag (64/100), structural risk (24/100), mortgage stress (5/100). On the quiet end sit mortgage stress (5/100) and institutional ownership (3/100).

The peak-phase market in 74538 posted values that rose 1.1% over the year, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $48,824, below the U.S. median near $78,000. Vacancy runs 20.4%, above the national norm and a classic distress-and-opportunity signal. Around 31% of renters are cost-burdened. Around 19% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. Population is roughly 3,933 with a median age of 39. Roughly 22.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Home values center near $124,500, an affordability ratio of 1.9× — accessible. 65% of housing is owner-occupied. There are about 1,897 housing units across 74538.

Net-net, 74538 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 74538 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 74538 runs hot or quiet, its 10/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 74538 can be compared directly against any other ZIP in Coal County, Oklahoma or nationwide. The score is rebuilt from public data as it updates, so 74538 reflects the current record instead of a stale or modeled snapshot.

The 10/100 for 74538 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 74538 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.