ZIP 76431 Foreclosure, Tax-Lien & Distress Report
Wise County, Texas · Affordable market
Wise County, Texas's ZIP 76431 registers 20/100 composite distress, which DLRadar reads as low. Leading the profile are construction/permit lag (62/100), structural risk (47/100), institutional ownership (24/100). institutional ownership (24/100) and mortgage stress (11/100) stay muted. The split runs 47/100 structural to 3/100 active on the ground. Climate and flood risk are elevated too — flood (NFIP) exposure (81/100).
The peak-phase market in 76431 posted values that rose 1.2% over the year, and 7% higher over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Median household income is $82,971, near the U.S. median near $78,000. The poverty rate is 13.2%. Rent burden reaches 36% of tenant households. DLRadar's demographic-stress index for the area reads 26/100. Educational attainment sits at 19% bachelor's-or-above. The typical home is worth about $194,700 (2.3× income, relatively affordable). The tenure split is 89% owner-occupied to 11% rented. Population is roughly 4,480 with a median age of 38. The vacancy rate is 8.8%. There are about 1,739 housing units across 76431.
On balance 76431 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 76431 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Whether 76431 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 76431 can be compared directly against any other ZIP in Wise County, Texas or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 76431 shows blanks, not estimates, wherever the record is sparse.
76431's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 76431 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
ZIP 76431 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 76431 by the numbers
The live 76431 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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See every distressed parcel in 76431
Open 76431 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic. Every signal traces to a public dataset · methodology