ZIP 74646 Foreclosure, Tax-Lien & Distress Report
Kay County, Oklahoma · High Vacancy market
ZIP 74646's composite property-distress score is 20/100 - DLRadar classes that as low for Kay County, Oklahoma. Its heaviest discrete signals: construction/permit lag (59/100), structural risk (45/100), institutional ownership (13/100). By contrast, institutional ownership (13/100) register low. Structural risk reads 45/100 against active distress of 0/100. It additionally carries heavy environmental risk: climate & FEMA risk (66/100).
Prices here sit in a peak phase: values rose 1.9% over the trailing year, at 24/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
Owners hold 100% of homes, renters 0%. Around 1% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 27/100. 0.0% of residents fall below the poverty threshold. Population is roughly 263 with a median age of 47. The vacancy rate is 36.8% — elevated. At $87,813, median income runs above typical U.S. levels. The ZIP holds roughly 110 housing units.
On the whole, 74646 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 74646 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 74646 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. 74646 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
74646's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 74646 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 74646’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 74646 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 74646, the same set carried on every parcel.
Other Kay County ZIP codes
Keep exploring Oklahoma distress
Additional distress intelligence spanning Kay County, Oklahoma by ZIP, county and state.
The complete 74646 distress and acquisition report
Open 74646 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology