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 26/100 — a low reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are structural risk (60/100), construction/permit lag (58/100), institutional ownership (21/100). institutional ownership (21/100) and mortgage stress (9/100) stay muted. Structural risk reads 60/100 against active distress of 3/100. It additionally carries heavy environmental risk: 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, 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 26/100 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 26/100 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
Nearest ZIP codes to 76712
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Texas distress
More ZIP, county and state distress intelligence connected to Mclennan County, Texas.
Unlock the full ZIP 76712 acquisition report
Pull every distressed parcel in 76712 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Built from public records, scored the same way everywhere · methodology