ZIP 77651 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 77651 (Jefferson County, Texas) at a moderate 36/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), flood (NFIP) exposure (85/100), FEMA disaster exposure (78/100). The most distinctive pressure shows up in structural risk (81/100), construction/permit lag (78/100), institutional ownership (61/100). By contrast, mortgage stress (24/100) register low. Structural exposure scores 81 and live distress 7 on the 0–100 scale.

The peak-phase market in 77651 posted values that rose 3.6% over the year, and 7% higher over three years (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

The typical home is worth about $253,200 (2.7× income, relatively affordable). Around 32% of renters are cost-burdened. Population is roughly 13,627 with a median age of 40. There are about 6,262 housing units across 77651. 72% of housing is owner-occupied. Median household income is $84,335, near the U.S. median near $78,000. Educational attainment sits at 29% bachelor's-or-above. The poverty rate is 10.4%. Vacancy runs 13.0%, above the national norm and a classic distress-and-opportunity signal. On demographic stress specifically, 77651 scores 27/100.

Net-net, 77651 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 77651 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 77651 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 36/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 77651, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 77651 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 36/100 roll-up. The point of the 77651 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.