ZIP 75639 Foreclosure, Tax-Lien & Distress Report
Panola County, Texas · High Vacancy market
ZIP code 75639 in Panola County, Texas carries a composite property-distress score of 22/100 — a low reading on DLRadar's deterministic distress index. Latent structural risk is 47/100 while live distress already moving reads 6/100. What sets it apart are the readings on construction/permit lag (58/100), structural risk (47/100), institutional ownership (45/100). mortgage stress (19/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (83/100).
Prices here sit in a peak phase: values rose 2.0% over the trailing year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The typical home is worth about $158,300 (3.1× income, relatively affordable). The demographic-stress sub-score lands at 33/100. 86% of housing is owner-occupied. Roughly 12.3% live below the poverty line. About 2,698 people live here, median age 40. The vacancy rate is 21.8% — elevated. The ZIP holds roughly 1,305 housing units. Educational attainment sits at 9% bachelor's-or-above. Median household income is $45,795, below the U.S. median near $78,000. Rent burden reaches 52% of tenant households.
Net-net, 75639 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 75639 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 75639 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 75639 can be compared directly against any other ZIP in Panola County, Texas or nationwide. Sparse data for 75639 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 22/100 figure for 75639 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. The point of the 75639 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
What is driving ZIP 75639’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 75639 distress snapshot
Current distress, phase, housing and lender-pressure figures for 75639, drawn from the same report attached to each property.
Nearby ZIPs in Panola County
Nearest ZIP codes to 75639
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Texas distress
Other reports tied to Panola County, Texas — ZIP, county and statewide.
The complete 75639 distress and acquisition report
Get every distressed property in 75639 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click path to owner and lender records. Nationwide, refreshed continuously.
Deterministic scoring, sourced entirely from public data · methodology