ZIP 78612 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 78612 (Bastrop County, Texas) returns a low composite of 19/100. Structural exposure scores 41 and live distress 1 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (81/100). What sets it apart are the readings on construction/permit lag (63/100), structural risk (41/100), institutional ownership (5/100). On the quiet end sit institutional ownership (5/100) and mortgage stress (3/100).

The market reads contraction — home values held roughly flat year on year, 2.0% off the recent peak, and 2% higher over three years (phase confidence 5/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Vacancy runs 4.3%. 81% of housing is owner-occupied. At $90,925, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 29/100. The typical home is worth about $309,200 (2.6× income, relatively affordable). The poverty rate is 14.4%. About 19,830 people live here, median age 31. About 21% have a four-year degree. The ZIP holds roughly 6,168 housing units. Rent burden reaches 38% of tenant households.

Taken together, 78612 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 78612 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 78612 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78612 can be compared directly against any other ZIP in Bastrop County, Texas or nationwide. Where the public record is thin for 78612, the field stays empty rather than modeled, and fills in as new documents post.

78612'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, 78612 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.