ZIP 78631 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 78631 (Kimble County, Texas) lands at 22/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100). The split runs 49/100 structural to 5/100 active on the ground. Leading the profile are construction/permit lag (54/100), structural risk (49/100), institutional ownership (48/100). By contrast, mortgage stress (18/100) register low.

Prices here sit in a peak phase: values rose 1.5% over the trailing year, and 20% higher over three years (phase confidence 15/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Rent burden reaches 66% of tenant households. Vacancy runs 21.0%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 12.6%. Educational attainment sits at 20% bachelor's-or-above. Households earn a median $73,646 — near the roughly $78,000 national figure. There are about 1,571 housing units across 78631. The demographic-stress sub-score lands at 39/100. 3,357 residents call 78631 home, typically aged 42. 82% of housing is owner-occupied. A median home runs $351,600 here, or 4.6 times local income.

On the whole, 78631 leans distressed, with opportunity clustered in specific stressed parcels. 78631 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 78631's 22/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 78631 reflects the current record instead of a stale or modeled snapshot.

The 22/100 for 78631 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 78631 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.