ZIP 76649 Foreclosure, Tax-Lien & Distress Report

In Bosque County, Texas, ZIP 76649 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. On the structural side it scores 63/100, with 6/100 of stress already active. What sets it apart are the readings on construction/permit lag (99/100), structural risk (63/100), institutional ownership (42/100). By contrast, mortgage stress (19/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (85/100).

The market reads neutral — home values rose 1.2% year on year, 2.2% off the recent peak (phase confidence 10/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

919 residents call 76649 home, typically aged 51. The vacancy rate is 17.3% — elevated. Home values center near $185,300, an affordability ratio of 2.2× — accessible. Households earn a median $80,357 — near the roughly $78,000 national figure. Owners hold 83% of homes, renters 17%. About 26% have a four-year degree. DLRadar's demographic-stress index for the area reads 27/100. The ZIP holds roughly 428 housing units. Rent burden reaches 54% of tenant households. 6.4% of residents fall below the poverty threshold.

Net-net, 76649 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 76649's 27/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 76649 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

76649's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 76649 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.