ZIP 75974 Foreclosure, Tax-Lien & Distress Report

Shelby County, Texas's ZIP 75974 registers 21/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: FEMA disaster exposure (89/100). The most distinctive pressure shows up in institutional ownership (54/100), structural risk (43/100), construction/permit lag (32/100). By contrast, construction/permit lag (32/100) and mortgage stress (21/100) register low. The split runs 43/100 structural to 6/100 active on the ground.

The peak-phase market in 75974 posted values that rose 2.0% over the year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 2,744 with a median age of 38. The ZIP holds roughly 1,124 housing units. The vacancy rate is 18.4% — elevated. On demographic stress specifically, 75974 scores 30/100. 68% of housing is owner-occupied. Roughly 29.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Rent burden reaches 20% of tenant households. At $43,083, median income runs below typical U.S. levels. Home values center near $91,300, an affordability ratio of 2.2× — accessible. Educational attainment sits at 13% bachelor's-or-above.

On the whole, 75974 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 75974 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 75974 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 75974 can be compared directly against any other ZIP in Shelby County, Texas or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 75974 shows blanks, not estimates, wherever the record is sparse.

Each component behind 75974 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. In workflow terms, 75974 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.