ZIP 74834 Foreclosure, Tax-Lien & Distress Report

Lincoln County, Oklahoma's ZIP 74834 registers 23/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — FEMA disaster exposure (83/100), climate & FEMA risk (66/100). Property-level stress concentrates in structural risk (49/100), construction/permit lag (46/100), institutional ownership (45/100). On the quiet end sit mortgage stress (19/100). The latent-versus-live split is 49/100 structural and 6/100 already moving.

The market reads peak — home values rose 1.5% year on year, and 15% higher over three years, at 17/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 7.0%. There are about 3,314 housing units across 74834. 80% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 29/100. A median home runs $195,800 here, or 3.0 times local income. Roughly 14.7% live below the poverty line. About 7,551 people live here, median age 43. Rent burden reaches 41% of tenant households. Educational attainment sits at 20% bachelor's-or-above. Median household income is $59,436, below the U.S. median near $78,000.

Overall, 74834 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 74834 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 74834 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 74834 reflects the current record instead of a stale or modeled snapshot.

The 23/100 figure for 74834 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 74834 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.