ZIP 78638 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 78638 (Guadalupe County, Texas) lands at 34/100 — moderate on DLRadar's public-record scoring. Structurally it carries 75/100, against 6/100 of stress already in motion. The sharpest non-environmental signals are structural risk (75/100), construction/permit lag (69/100), institutional ownership (57/100). mortgage stress (21/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (92/100), flood (NFIP) exposure (78/100), FEMA disaster exposure (71/100)).

The contraction-phase market in 78638 posted values that fell 1.1% over the year, 1.9% off the recent peak, and 22% higher over three years (phase confidence 20/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The vacancy rate is 14.2% — elevated. A median home runs $317,400 here, or 3.6 times local income. Rent burden reaches 13% of tenant households. The ZIP holds roughly 819 housing units. Around 26% of adults hold a bachelor's degree or higher. At $82,760, median income runs near typical U.S. levels. Population is roughly 2,064 with a median age of 44. Roughly 7.1% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 84% owner-occupied to 16% rented. The demographic-stress sub-score lands at 26/100.

Taken together, 78638 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 78638 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 78638's 34/100 can be lined up against any neighbor in Guadalupe County, Texas or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 78638 shows blanks, not estimates, wherever the record is sparse.

Behind 78638'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. For a buyer, 78638 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.