ZIP 76640 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 76640 (Mclennan County, Texas) lands at 26/100 — low on DLRadar's distress scoring. The sharpest non-environmental signals are structural risk (60/100), construction/permit lag (58/100), institutional ownership (21/100). By contrast, institutional ownership (21/100) and mortgage stress (9/100) register low. On the structural side it scores 60/100, with 3/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (93/100), climate & FEMA risk (90/100).

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

At $61,458, median income runs below typical U.S. levels. Around 57% of renters are cost-burdened. 18.5% of residents fall below the poverty threshold. Educational attainment sits at 17% bachelor's-or-above. Home values center near $166,900, an affordability ratio of 2.9× — accessible. DLRadar's demographic-stress index for the area reads 33/100. The ZIP holds roughly 1,149 housing units. About 2,958 people live here, median age 36. 79% of housing is owner-occupied. The vacancy rate is 7.2%.

On balance 76640 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 76640 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 76640 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 76640 stays directly comparable to neighboring ZIPs and the rest of Mclennan County, Texas. 76640 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

76640's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 76640 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.