ZIP 74864 Foreclosure, Tax-Lien & Distress Report

ZIP 74864's composite property-distress score is 30/100 - DLRadar classes that as moderate for Lincoln County, Oklahoma. The sharpest non-environmental signals are construction/permit lag (87/100), structural risk (65/100), institutional ownership (50/100). mortgage stress (21/100) stay muted. On the structural side it scores 65/100, with 6/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (82/100), climate & FEMA risk (70/100).

Prices here sit in a peak phase: values rose 1.7% over the trailing year, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $64,313 — below the roughly $78,000 national figure. Rent burden reaches 34% of tenant households. Educational attainment sits at 16% bachelor's-or-above. Home values center near $192,100, an affordability ratio of 2.6× — accessible. Population is roughly 4,803 with a median age of 43. There are about 2,043 housing units across 74864. Roughly 19.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. On demographic stress specifically, 74864 scores 29/100. 79% of housing is owner-occupied. The vacancy rate is 10.6%.

On balance 74864 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 74864 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 74864's 30/100 can be lined up against any neighbor in Lincoln County, Oklahoma or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 74864 reflects the current record instead of a stale or modeled snapshot.

The 30/100 for 74864 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 74864 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.