ZIP 74844 Property Distress & Foreclosure Data

ZIP code 74844 in Pontotoc County, Oklahoma carries a composite property-distress score of 16/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (35/100), institutional ownership (19/100), mortgage stress (9/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (63/100). The latent-versus-live split is 35/100 structural and 3/100 already moving.

The market reads peak — home values rose 3.4% year on year (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 142 housing units. Around 13% of renters are cost-burdened. Home values center near $97,000, an affordability ratio of 1.8× — accessible. Educational attainment sits at 15% bachelor's-or-above. 15.9% of residents fall below the poverty threshold. Owners hold 68% of homes, renters 32%. Median household income is $42,917, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 26/100. The vacancy rate is 27.2% — elevated. About 276 people live here, median age 34.

Net-net, 74844 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.