ZIP 76557 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 76557 (Bell County, Texas) at a moderate 30/100 for overall property distress. Structural exposure scores 67 and live distress 5 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (87/100), flood (NFIP) exposure (87/100). The sharpest non-environmental signals are construction/permit lag (69/100), structural risk (67/100), institutional ownership (39/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (16/100).

The market reads neutral — home values rose 1.1% year on year, 1.8% off the recent peak, and 2% lower over three years (phase confidence 9/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Population is roughly 5,341 with a median age of 44. Home values center near $232,400, an affordability ratio of 2.6× — accessible. There are about 2,096 housing units across 76557. 78% of housing is owner-occupied. Around 26% of adults hold a bachelor's degree or higher. The vacancy rate is 11.0%. Roughly 10.8% live below the poverty line. Median household income is $75,958, near the U.S. median near $78,000. The demographic-stress sub-score lands at 24/100. Around 11% of renters are cost-burdened.

Overall, 76557 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 76557 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 76557 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 76557 shows blanks, not estimates, wherever the record is sparse.

The 30/100 figure for 76557 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 an operator, 76557 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.