ZIP 78840 Foreclosure, Tax-Lien & Distress Report

Val Verde County, Texas's ZIP 78840 registers 28/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (77/100), climate & FEMA risk (71/100), FEMA disaster exposure (68/100). The split runs 63/100 structural to 1/100 active on the ground. The pressure is most legible in structural risk (63/100), institutional ownership (54/100), construction/permit lag (51/100). mortgage stress (3/100) stay muted.

Prices here sit in a peak phase: values rose 0.9% over the trailing year, and 8% higher over three years, at 9/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 18,575 housing units across 78840. The tenure split is 67% owner-occupied to 33% rented. At $59,608, median income runs below typical U.S. levels. Around 30% of renters are cost-burdened. Roughly 18.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Educational attainment sits at 21% bachelor's-or-above. The typical home is worth about $164,600 (2.5× income, relatively affordable). On demographic stress specifically, 78840 scores 29/100. The vacancy rate is 10.1%. Population is roughly 47,053 with a median age of 32.

On balance 78840 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 78840's 28/100 can be lined up against any neighbor in Val Verde County, Texas or any ZIP coast to coast. Where the record is thin for 78840, the field stays empty rather than modeled, and fills in as new documents post.

78840'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. Treat 78840 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.