ZIP 77046 Foreclosure, Tax-Lien & Distress Report

ZIP code 77046 in Harris County, Texas carries a composite property-distress score of 37/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 82 and live distress 7 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (95/100), FEMA disaster exposure (89/100). What sets it apart are the readings on structural risk (82/100), institutional ownership (69/100), construction/permit lag (60/100). On the quiet end sit mortgage stress (24/100).

The market reads recovery — home values rose 2.7% year on year (phase confidence 17/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $286,500, an affordability ratio of 2.4× — accessible. On demographic stress specifically, 77046 scores 22/100. 51% of housing is owner-occupied. The vacancy rate is 13.5% — elevated. Population is roughly 1,873 with a median age of 38. Rent burden reaches 25% of tenant households. The ZIP holds roughly 1,285 housing units. Roughly 11.2% live below the poverty line. About 71% have a four-year degree. Median household income is $115,516, above the U.S. median near $78,000.

Net-net, 77046 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.

Big metro or rural, 77046 runs through one identical public-record model, so its 37/100 sits on the same scale as every other ZIP in Harris County, Texas and the nation. Where the public record is thin for 77046, the field stays empty rather than modeled, and fills in as new documents post.

Behind 77046's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 77046 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.