ZIP 79412 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 79412 in Lubbock County, Texas comes in at 24, a low composite-distress reading. What sets it apart are the readings on structural risk (55/100), construction/permit lag (47/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (96/100), flood (NFIP) exposure (71/100)). The split runs 55/100 structural to 2/100 active on the ground.

The market reads neutral — home values rose 2.5% year on year, and 4% higher over three years (phase confidence 16/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 47% of homes, renters 53%. There are about 6,378 housing units across 79412. Households earn a median $47,306 — below the roughly $78,000 national figure. The vacancy rate is 9.7%. The typical home is worth about $130,700 (2.5× income, relatively affordable). Educational attainment sits at 15% bachelor's-or-above. Rent burden reaches 37% of tenant households. The demographic-stress sub-score lands at 33/100. 20.8% of residents fall below the poverty threshold. Population is roughly 15,275 with a median age of 35.

On the whole, 79412 leans distressed, with opportunity clustered in specific stressed parcels. 79412 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 79412 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 79412 shows blanks, not estimates, wherever the record is sparse.

Behind 79412'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. Treat 79412 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.