ZIP 76305 Foreclosure, Tax-Lien & Distress Report
Clay County, Texas · High Vacancy market
In Clay County, Texas, ZIP 76305 scores 21 of 100 for composite distress, a low level on DLRadar's distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (64/100). Structural risk reads 50/100 against active distress of 5/100. The most distinctive pressure shows up in construction/permit lag (76/100), structural risk (50/100), institutional ownership (34/100). On the quiet end sit institutional ownership (34/100) and mortgage stress (16/100).
The peak-phase market in 76305 posted values that rose 0.8% over the year, 2.5% off the recent peak, and 1% lower over three years (phase confidence 6/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Households earn a median $78,973 — near the roughly $78,000 national figure. About 25% have a four-year degree. On demographic stress specifically, 76305 scores 23/100. Rent burden reaches 20% of tenant households. There are about 2,299 housing units across 76305. Home values center near $184,700, an affordability ratio of 2.2× — accessible. About 4,929 people live here, median age 47. The vacancy rate is 13.8% — elevated. The poverty rate is 10.9%. Owners hold 79% of homes, renters 21%.
On the whole, 76305 leans distressed, with opportunity clustered in specific stressed parcels. 76305 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
The number is not local guesswork: 76305's 21/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 76305, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 21/100 figure for 76305 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 76305 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Signal-by-signal read on 76305
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 76305 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 76305, the same set carried on every parcel.
More ZIPs across Clay County
Nearest ZIP codes to 76305
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 Clay County, Texas — ZIP, county and statewide.
The complete 76305 distress and acquisition report
Every distressed parcel in 76305 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
No modelling: every input is a public record · methodology