ZIP 78404 Foreclosure, Tax-Lien & Distress Report

ZIP code 78404 in Nueces County, Texas carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. Leading the profile are structural risk (76/100), institutional ownership (61/100), construction/permit lag (59/100). On the quiet end sit mortgage stress (24/100). It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (85/100), FEMA disaster exposure (78/100). The latent-versus-live split is 76/100 structural and 7/100 already moving.

The peak-phase market in 78404 posted values that held roughly flat over the year, 4.1% off the recent peak, and 3% higher over three years, at 11/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The demographic-stress sub-score lands at 33/100. Rent burden reaches 45% of tenant households. Roughly 15.7% live below the poverty line. About 13,607 people live here, median age 46. Home values center near $189,000, an affordability ratio of 3.0× — accessible. Educational attainment sits at 23% bachelor's-or-above. Median household income is $60,264, below the U.S. median near $78,000. There are about 6,587 housing units across 78404. Owners hold 53% of homes, renters 47%. The vacancy rate is 17.9% — elevated.

On the whole, 78404 leans distressed, with opportunity clustered in specific stressed parcels. 78404 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 78404 runs hot or quiet, its 35/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78404 can be compared directly against any other ZIP in Nueces County, Texas or nationwide. The score is rebuilt from public data as it updates, so 78404 reflects the current record instead of a stale or modeled snapshot.

78404's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 78404 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.