ZIP 76228 Foreclosure, Tax-Lien & Distress Report
Clay County, Texas · High Vacancy market
Composite property distress in 76228 (Clay County, Texas) lands at 23/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (60/100). The latent-versus-live split is 53/100 structural and 6/100 already moving. Its heaviest discrete signals: construction/permit lag (100/100), structural risk (53/100), institutional ownership (41/100). On the quiet end sit mortgage stress (19/100).
Prices here sit in a peak phase: values rose 0.9% over the trailing year, 2.3% off the recent peak (phase confidence 8/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
The tenure split is 82% owner-occupied to 18% rented. Rent burden reaches 26% of tenant households. Educational attainment sits at 22% bachelor's-or-above. The typical home is worth about $171,200 (2.1× income, relatively affordable). 14.8% of residents fall below the poverty threshold. About 1,320 people live here, median age 47. Households earn a median $71,250 — near the roughly $78,000 national figure. The demographic-stress sub-score lands at 25/100. The vacancy rate is 17.8% — elevated. There are about 594 housing units across 76228.
Net-net, 76228 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 76228 at the moment; the composite and its components are still built from verifiable public records.
Because one deterministic model scores every ZIP, 76228's 23/100 can be lined up against any neighbor in Clay County, Texas or any ZIP coast to coast. 76228 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
76228's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 76228 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.
Distress signal breakdown — ZIP 76228
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
76228 at a glance
76228 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
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See every distressed parcel in 76228
Every distressed parcel in 76228 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology