ZIP 75409 Foreclosure, Tax-Lien & Distress Report

In Collin County, Texas, ZIP 75409 scores 33 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (73/100), construction/permit lag (63/100), institutional ownership (47/100). On the quiet end sit mortgage stress (19/100). Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (86/100). On the structural side it scores 73/100, with 6/100 of stress already active.

The market reads peak — home values rose 0.9% year on year, and 4% higher over three years, at 9/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 5.8%. Educational attainment sits at 35% bachelor's-or-above. Households earn a median $97,941 — above the roughly $78,000 national figure. On demographic stress specifically, 75409 scores 30/100. The poverty rate is 10.3%. The ZIP holds roughly 9,199 housing units. Rent burden reaches 49% of tenant households. Owners hold 78% of homes, renters 22%. A median home runs $353,600 here, or 3.2 times local income. 24,381 residents call 75409 home, typically aged 33.

Net-net, 75409 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 75409 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: 75409 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 75409 shows as blanks, never estimates, and the score updates on every fresh public filing.

75409'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. For a buyer, 75409 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.