ZIP 78521 Foreclosure, Tax-Lien & Distress Report

In Cameron County, Texas, ZIP 78521 scores 35 of 100 for composite distress, a moderate level on DLRadar's public-record index. What sets it apart are the readings on structural risk (77/100), institutional ownership (70/100), construction/permit lag (42/100). mortgage stress (25/100) stay muted. Latent structural risk is 77/100 while live distress already moving reads 8/100. Climate and flood risk are elevated too — flood (NFIP) exposure (99/100), climate & FEMA risk (96/100), FEMA disaster exposure (89/100).

The market reads neutral — home values rose 4.3% year on year, and 21% higher over three years, at 54/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Around 42% of renters are cost-burdened. The ZIP holds roughly 29,741 housing units. The poverty rate is 30.6% — high, a tax-stress and distress correlate. About 15% have a four-year degree. On demographic stress specifically, 78521 scores 34/100. The tenure split is 59% owner-occupied to 41% rented. Households earn a median $41,276 — below the roughly $78,000 national figure. Population is roughly 87,860 with a median age of 32. A median home runs $99,700 here, or 2.2 times local income. The vacancy rate is 7.1%.

On the whole, 78521 leans distressed, with opportunity clustered in specific stressed parcels. While 78521 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 78521 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 78521 can be compared directly against any other ZIP in Cameron County, Texas or nationwide. The score is rebuilt from public data as it updates, so 78521 reflects the current record instead of a stale or modeled snapshot.

Behind 78521'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. Treat 78521 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.