ZIP 74632 Foreclosure, Tax-Lien & Distress Report

In Kay County, Oklahoma, ZIP 74632 scores 23 of 100 for composite distress, a low level on DLRadar's distress index. Structurally it carries 53/100, against 0/100 of stress already in motion. The sharpest non-environmental signals are construction/permit lag (59/100), structural risk (53/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (76/100).

The market reads peak — home values rose 2.2% year on year (phase confidence 23/100). Topping markets hide individual distress behind strong averages.

Around 25% of renters are cost-burdened. The tenure split is 89% owner-occupied to 11% rented. The vacancy rate is 33.5% — elevated. The ZIP holds roughly 338 housing units. Median household income is $87,500, above the U.S. median near $78,000. About 469 people live here, median age 57. On demographic stress specifically, 74632 scores 48/100. 6.6% of residents fall below the poverty threshold. About 22% have a four-year degree.

Net-net, 74632 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 74632 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 74632 runs through one identical scoring model, so its 23/100 sits on the same scale as every other ZIP in Kay County, Oklahoma and the nation. Nothing here is interpolated — where a source is thin for 74632, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

74632's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 74632 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.