ZIP 76639 Foreclosure, Tax-Lien & Distress Report

ZIP code 76639 in Navarro County, Texas carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are construction/permit lag (59/100), structural risk (58/100), institutional ownership (41/100). By contrast, mortgage stress (19/100) register low. The latent-versus-live split is 58/100 structural and 6/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (72/100).

The peak-phase market in 76639 posted values that rose 0.9% over the year, at 9/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 924 housing units. 2,005 residents call 76639 home, typically aged 40. The demographic-stress sub-score lands at 30/100. Around 29% of renters are cost-burdened. The poverty rate is 16.2%. Vacancy runs 14.8%, above the national norm and a classic distress-and-opportunity signal. Around 11% of adults hold a bachelor's degree or higher. The typical home is worth about $154,400 (2.6× income, relatively affordable). Median household income is $47,760, below the U.S. median near $78,000. Owners hold 64% of homes, renters 36%.

On the whole, 76639 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 76639 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 76639 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 76639 can be compared directly against any other ZIP in Navarro County, Texas or nationwide. The score is rebuilt from public data as it updates, so 76639 reflects the current record instead of a stale or modeled snapshot.

Behind 76639's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 76639 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.