ZIP 75421 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 75421 (Lamar County, Texas) returns a moderate composite of 30/100. Property-level stress concentrates in construction/permit lag (73/100), structural risk (68/100), institutional ownership (47/100). By contrast, mortgage stress (20/100) register low. Structural risk reads 68/100 against active distress of 6/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (77/100).

The market reads peak — home values rose 0.9% year on year (phase confidence 9/100). Topping markets hide individual distress behind strong averages.

The vacancy rate is 27.9% — elevated. The demographic-stress sub-score lands at 29/100. Roughly 21.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 12% have a four-year degree. At $52,016, median income runs below typical U.S. levels. Owners hold 84% of homes, renters 16%. Around 6% of renters are cost-burdened. There are about 366 housing units across 75421. A median home runs $158,600 here, or 2.9 times local income. About 984 people live here, median age 26.

Taken together, 75421 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 75421 read uses the identical public-record model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 75421 stays directly comparable to neighboring ZIPs and the rest of Lamar County, Texas. Nothing here is interpolated — where a source is thin for 75421, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 30/100 figure for 75421 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. Practically, 75421 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.