ZIP 76636 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 76636 (Hill County, Texas) lands at 28/100 — low on DLRadar's distress scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (77/100), climate & FEMA risk (70/100). Its heaviest discrete signals: structural risk (62/100), construction/permit lag (58/100), institutional ownership (46/100). On the quiet end sit mortgage stress (20/100). The split runs 62/100 structural to 6/100 active on the ground.

The market reads peak — home values rose 2.0% year on year (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 7.3%. Home values center near $204,800, an affordability ratio of 2.9× — accessible. Owners hold 90% of homes, renters 10%. Rent burden reaches 0% of tenant households. On demographic stress specifically, 76636 scores 22/100. The ZIP holds roughly 684 housing units. 1,678 residents call 76636 home, typically aged 38. The poverty rate is 9.5%. Educational attainment sits at 12% bachelor's-or-above. Median household income is $68,750, near the U.S. median near $78,000.

On balance 76636 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 76636 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 76636's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 76636 reflects the current record instead of a stale or modeled snapshot.

Each component behind 76636 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. The point of the 76636 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.