ZIP 74631 Foreclosure, Tax-Lien & Distress Report

In Kay County, Oklahoma, ZIP 74631 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (73/100). The latent-versus-live split is 52/100 structural and 3/100 already moving. Property-level stress concentrates in construction/permit lag (59/100), structural risk (52/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (10/100) register low.

The market reads peak — home values rose 2.2% year on year, and 12% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 26.1% — elevated. The poverty rate is 15.7%. The demographic-stress sub-score lands at 28/100. Population is roughly 6,795 with a median age of 37. At $50,969, median income runs below typical U.S. levels. Around 12% of adults hold a bachelor's degree or higher. Rent burden reaches 33% of tenant households. 65% of housing is owner-occupied. A median home runs $86,500 here, or 1.5 times local income. There are about 3,659 housing units across 74631.

Net-net, 74631 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 74631 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 74631 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 74631 can be compared directly against any other ZIP in Kay County, Oklahoma or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 74631 shows blanks, not estimates, wherever the record is sparse.

Behind 74631's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 74631 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.