ZIP 75702 Foreclosure, Tax-Lien & Distress Report

In Smith County, Texas, ZIP 75702 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. Its heaviest discrete signals: structural risk (62/100), institutional ownership (48/100), construction/permit lag (37/100). On the quiet end sit construction/permit lag (37/100) and mortgage stress (22/100). Structurally it carries 62/100, against 6/100 of stress already in motion. It additionally carries heavy environmental risk: flood (NFIP) exposure (86/100), climate & FEMA risk (83/100).

The market reads neutral — home values rose 3.0% year on year, and 19% higher over three years, at 17/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $51,177, median income runs below typical U.S. levels. Vacancy runs 20.5%, above the national norm and a classic distress-and-opportunity signal. There are about 10,531 housing units across 75702. About 8% have a four-year degree. Around 43% of renters are cost-burdened. On demographic stress specifically, 75702 scores 33/100. Roughly 19.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 28,095 with a median age of 32. A median home runs $115,200 here, or 1.9 times local income. The tenure split is 55% owner-occupied to 45% rented.

Taken together, 75702 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 75702 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 75702 runs hot or quiet, its 28/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 75702 can be compared directly against any other ZIP in Smith County, Texas or nationwide. 75702 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 28/100 figure for 75702 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. In workflow terms, 75702 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.