ZIP 76365 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 76365 in Clay County, Texas comes in at 22, a low composite-distress reading. Structurally it carries 52/100, against 6/100 of stress already in motion. The pressure is most legible in construction/permit lag (100/100), structural risk (52/100), institutional ownership (41/100). On the quiet end sit mortgage stress (19/100).

The peak-phase market in 76365 posted values that rose 0.9% over the year, 2.4% off the recent peak, and 1% higher over three years, at 7/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 2,371 housing units across 76365. The vacancy rate is 17.6% — elevated. At $64,307, median income runs below typical U.S. levels. About 28% have a four-year degree. Rent burden reaches 54% of tenant households. Owners hold 75% of homes, renters 25%. 10.3% of residents fall below the poverty threshold. On demographic stress specifically, 76365 scores 29/100. Home values center near $162,300, an affordability ratio of 2.2× — accessible. 4,668 residents call 76365 home, typically aged 49.

On the whole, 76365 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 76365 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 76365 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 76365, the field stays empty rather than modeled, and fills in as new documents post.

The 22/100 figure for 76365 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. For a buyer, 76365 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.