ZIP 76712 Foreclosure, Tax-Lien & Distress Report
Mclennan County, Texas · Distress market
ZIP code 76712 in Mclennan County, Texas carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. The sharpest non-environmental signals are construction/permit lag (66/100), structural risk (61/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (9/100) stay muted. Structural risk reads 61/100 against active distress of 3/100. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), flood (NFIP) exposure (90/100).
The market reads neutral — home values rose 1.2% year on year, 2.8% off the recent peak, and 7% higher over three years, at 13/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. Population is roughly 28,719 with a median age of 40. At $96,267, median income runs above typical U.S. levels. Around 49% of adults hold a bachelor's degree or higher. The tenure split is 70% owner-occupied to 30% rented. DLRadar's demographic-stress index for the area reads 27/100. Rent burden reaches 45% of tenant households. The ZIP holds roughly 11,660 housing units. Vacancy runs 6.8%. Home values center near $340,600, an affordability ratio of 3.1× — accessible.
Net-net, 76712 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 76712 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
No ZIP is too small to score: 76712 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 76712 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 27/100 for 76712 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 76712 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Signal-by-signal read on 76712
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 76712 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 76712, the same set carried on every parcel.
Nearby ZIPs in Mclennan County
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Built from public records, scored the same way everywhere · methodology