ZIP 76638 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 76638 (Mclennan County, Texas) at a low 26/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (93/100), climate & FEMA risk (90/100). The pressure is most legible in structural risk (60/100), construction/permit lag (58/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (9/100) stay muted. Latent structural risk is 60/100 while live distress already moving reads 3/100.

The market reads neutral — home values rose 1.2% year on year, 2.8% off the recent peak, and 3% higher over three years, at 13/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

3,395 residents call 76638 home, typically aged 38. There are about 1,260 housing units across 76638. A median home runs $440,900 here, or 3.0 times local income. 95% of housing is owner-occupied. Households earn a median $125,938 — above the roughly $78,000 national figure. The vacancy rate is 7.1%. About 40% have a four-year degree. On demographic stress specifically, 76638 scores 21/100. The poverty rate is 3.6% — low. Rent burden reaches 20% of tenant households.

Net-net, 76638 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 76638 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 76638 can be compared directly against any other ZIP in Mclennan County, Texas or nationwide. Sparse data for 76638 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 26/100 figure for 76638 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. In workflow terms, 76638 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.