ZIP 78885 Foreclosure, Tax-Lien & Distress Report

ZIP code 78885 in Bandera County, Texas carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. The split runs 56/100 structural to 0/100 active on the ground. Climate and flood risk are elevated too — FEMA disaster exposure (71/100), climate & FEMA risk (61/100). The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (56/100), institutional ownership (30/100). institutional ownership (30/100) stay muted.

The market reads contraction — home values fell 1.2% year on year, 2.0% off the recent peak, at 21/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The ZIP holds roughly 88 housing units. 49 residents call 78885 home, typically aged 69. Around 0% of renters are cost-burdened. The vacancy rate is 69.6% — elevated. DLRadar's demographic-stress index for the area reads 32/100. The poverty rate is 0.0% — low. Owners hold 79% of homes, renters 21%. About 22% have a four-year degree. At $70,833, median income runs near typical U.S. levels.

Net-net, 78885 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 78885 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 78885 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 78885 can be compared directly against any other ZIP in Bandera County, Texas or nationwide. Sparse data for 78885 shows as blanks, never estimates, and the score updates on every fresh public filing.

78885'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 78885 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.