ZIP 78123 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 78123 (Guadalupe County, Texas) returns a moderate composite of 34/100. Property-level stress concentrates in structural risk (75/100), construction/permit lag (69/100), institutional ownership (56/100). mortgage stress (21/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (78/100), FEMA disaster exposure (71/100). Latent structural risk is 75/100 while live distress already moving reads 6/100.

Prices here sit in a contraction phase: values fell 1.2% over the trailing year, 2.0% off the recent peak, and 15% higher over three years, at 21/100 phase confidence. A cooling market tends to open discount-to-value windows.

Educational attainment sits at 23% bachelor's-or-above. The ZIP holds roughly 1,064 housing units. Median household income is $95,700, above the U.S. median near $78,000. On demographic stress specifically, 78123 scores 33/100. Rent burden reaches 73% of tenant households. 89% of housing is owner-occupied. Roughly 11.8% live below the poverty line. Vacancy runs 27.4%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 2,271 with a median age of 47. A median home runs $238,500 here, or 2.5 times local income.

On the whole, 78123 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 78123 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 78123 runs hot or quiet, its 34/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78123 can be compared directly against any other ZIP in Guadalupe County, Texas or nationwide. Nothing here is interpolated — where a source is thin for 78123, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

78123's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 78123 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.