Fluvanna County, VA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Fluvanna County, Virginia? DLRadar grades every Fluvanna County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Fluvanna County breakdown.
- Fluvanna County's most distressed ZIP is 22902 at 28/100.
- 10 ZIP codes tracked in Fluvanna County, averaging 14/100 distress.
- Fluvanna County reads peak — home values up 3.6% year over year.
- Vacancy runs 12.2% across Fluvanna County's tracked ZIPs, with a 9.4% poverty rate.
- The typical Fluvanna County home is worth about $362,280 against a ~$90,162 median income.
- Lending headwind in Fluvanna County sits at 32/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 22902 | 28/100 |
| 2 | 22947 | 27/100 |
| 3 | 24590 | 18/100 |
| 4 | 23038 | 12/100 |
| 5 | 23093 | 12/100 |
| 6 | 22974 | 10/100 |
| 7 | 23084 | 10/100 |
| 8 | 22963 | 8/100 |
| 9 | 23022 | 8/100 |
| 10 | 23055 | 8/100 |
Most distressed ZIP codes in Fluvanna County (composite distress 0-100, 2026)
What is driving Fluvanna County distress
Nothing here is estimated: Fluvanna County is scored from filings alone, and its ZIPs average 14/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Fluvanna County market phase and pricing
Fluvanna County reads peak — home prices rose 3.6% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Fluvanna County
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What people ask
Where is distress highest inside Fluvanna County, VA?
ZIP 22902 leads Fluvanna County at 28/100, recomputed monthly from public records.
How would you describe the Fluvanna County market phase?
Fluvanna County reads peak, with home prices up 3.6% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Fluvanna County scores?
Every Fluvanna County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 10 Fluvanna County ZIP codes that it runs on every other U.S. county, so Fluvanna County's numbers are directly comparable to any other market.
How much do distress scores vary between Fluvanna County ZIP codes?
The county figure is a blend, not a description. Across the Fluvanna County ZIPs DLRadar ranks, scores run from 28/100 in 22902 down to 8/100 in 23055, against a Fluvanna County average of 14/100. The 20-point range is the argument for ZIP-level search across Fluvanna County.
What do Fluvanna County home values and vacancy say about distressed supply?
The typical Fluvanna County home carries about $362,280 of value against a median household income near $90,162. Vacancy across Fluvanna County's tracked ZIPs runs 12.2% and the poverty rate is 9.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Fluvanna County's foreclosure and lien filings and its 32/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.