ZIP 76945 Foreclosure, Tax-Lien & Distress Report

ZIP code 76945 in Coke County, Texas carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic public-record index. Its heaviest discrete signals: institutional ownership (39/100), construction/permit lag (37/100), structural risk (27/100). On the quiet end sit structural risk (27/100) and mortgage stress (17/100). Structurally it carries 27/100, against 5/100 of stress already in motion. It additionally carries heavy environmental risk: FEMA disaster exposure (70/100).

The market reads peak — home values rose 1.9% year on year, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 23% of renters are cost-burdened. The tenure split is 69% owner-occupied to 31% rented. Households earn a median $40,556 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 25/100. The ZIP holds roughly 1,133 housing units. A median home runs $67,000 here, or 1.6 times local income. About 24% have a four-year degree. Population is roughly 1,706 with a median age of 48. 15.7% of residents fall below the poverty threshold. Vacancy runs 28.1%, above the national norm and a classic distress-and-opportunity signal.

Net-net, 76945 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 76945 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 76945 read uses the identical public-record model applied coast to coast, which means its 12/100 score means exactly what it means anywhere else, and 76945 stays directly comparable to neighboring ZIPs and the rest of Coke County, Texas. Every figure is auditable to a public dataset and refreshed on ingest; 76945 shows blanks, not estimates, wherever the record is sparse.

Each component behind 76945 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. Treat 76945 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.