ZIP 74646 Foreclosure, Tax-Lien & Distress Report

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 (46/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) register low. Structural risk reads 46/100 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 60/100. 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 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.