ZIP 75631 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 75631 in Panola County, Texas comes in at 22, a low composite-distress reading. Climate and flood risk are elevated too — FEMA disaster exposure (89/100). The most distinctive pressure shows up in construction/permit lag (50/100), institutional ownership (48/100), structural risk (46/100). By contrast, mortgage stress (19/100) register low. Structurally it carries 46/100, against 6/100 of stress already in motion.

The peak-phase market in 75631 posted values that rose 2.0% over the year, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

The tenure split is 79% owner-occupied to 21% rented. A median home runs $146,800 here, or 1.8 times local income. Households earn a median $76,389 — near the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 29/100. Population is roughly 2,644 with a median age of 40. Around 57% of renters are cost-burdened. The vacancy rate is 19.5% — elevated. The ZIP holds roughly 1,075 housing units. About 19% have a four-year degree. Roughly 10.0% live below the poverty line.

Taken together, 75631 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 75631 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 75631 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Panola County, Texas and the nation. The score is rebuilt from public data as it updates, so 75631 reflects the current record instead of a stale or modeled snapshot.

75631's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 75631 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.