ZIP 77316 Foreclosure, Tax-Lien & Distress Report

Montgomery County, Texas's ZIP 77316 registers 37/100 composite distress, which DLRadar reads as moderate. On the structural side it scores 83/100, with 8/100 of stress already active. The pressure is most legible in structural risk (83/100), institutional ownership (71/100), construction/permit lag (67/100). By contrast, mortgage stress (26/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (97/100), climate & FEMA risk (94/100), FEMA disaster exposure (93/100).

The recovery-phase market in 77316 posted values that rose 2.7% over the year, and 13% higher over three years (phase confidence 16/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Owners hold 89% of homes, renters 11%. The poverty rate is 7.4% — low. The typical home is worth about $431,400 (3.1× income, relatively affordable). The demographic-stress sub-score lands at 24/100. 31,917 residents call 77316 home, typically aged 40. The ZIP holds roughly 13,084 housing units. Vacancy runs 6.4%. Households earn a median $129,418 — above the roughly $78,000 national figure. Rent burden reaches 31% of tenant households. Around 44% of adults hold a bachelor's degree or higher.

On balance 77316 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 77316 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 77316 read uses the identical public-record model applied coast to coast, which means its 37/100 score means exactly what it means anywhere else, and 77316 stays directly comparable to neighboring ZIPs and the rest of Montgomery County, Texas. Sparse data for 77316 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 37/100 for 77316 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 77316 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.