Scotland County, NC Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Scotland County, NC distress report, 2026: 7 ZIPs scored in Scotland, NC, Scotland, NC average 25/100; the top Scotland, NC ZIP is 28364 at 36/100; Scotland, NC market phase peak, Scotland, NC prices +1.9% year over year.
- Scotland, NC ranks #75 nationally (opportunity index); Scotland, NC #3 in North Carolina; Scotland, NC index 37.7.
- Scotland, NC: no CFPB county sample; Scotland, NC non-metro area reading 1.3%.
- Scotland, NC ZIP phases: 7 peak.
- Scotland, NC residential listings tracked: 28 across 5 ZIPs; Scotland, NC candidate listings 7.
- Scotland, NC HUD assisted properties: 3 with 146 units.
- Scotland, NC lenders on watch: 2; largest Scotland, NC footprint Truist Bank (1 branch).
- Scotland, NC most distressed ZIP: 28364 at 36/100.
Scotland, NC figures: DLRadar distress index; Scotland, NC inputs: CFPB, FHFA, HUD, FDIC; Scotland, NC rebuilt as sources refresh.
| Rank | Scotland, NC ZIP | Score |
|---|---|---|
| 1 | 28364 | 36/100 |
| 2 | 28343 | 24/100 |
| 3 | 28352 | 24/100 |
| 4 | 28396 | 24/100 |
| 5 | 28351 | 23/100 |
| 6 | 28363 | 22/100 |
| 7 | 28345 | 19/100 |
Most distressed Scotland, NC ZIPs (0-100, 2026)
Mortgage delinquency around Scotland, NC
No CFPB county sample covers Scotland, NC; the non-metro area reading for Scotland, NC: 1.3% ninety-plus; Scotland, NC area thirty-to-eighty-nine 3.4% (December 2025, Scotland, NC); North Carolina overall 0.9%.
Opportunity index: Scotland, NC
Scotland, NC index 37.7, Scotland, NC phase strong_buy; Scotland, NC primary driver vacancy, Scotland, NC second driver bank institutional. Scotland, NC components: property stress 36.5, foreclosure pressure 41.2, listing discounts 46.6, bank stress 48.7, insurance 0.0; Scotland, NC pulse 38.7; Scotland, NC capital opportunity 36.2; Scotland, NC seven-day change -0.4%.
ZIP market phases inside Scotland, NC
7 Scotland, NC ZIPs carry a price-cycle phase; Scotland, NC ZIPs by phase (Scotland, NC), deepest drawdown first: peak, +2.0% YoY, 0.0% off peak (Scotland, NC): 28364; peak, +1.9% YoY (Scotland, NC): 28343, 28345, 28351, 28352, Scotland, NC 28363, 28396.
Residential listings by Scotland, NC ZIP
Scotland, NC ZIPs with the most tracked Scotland, NC residential listings: 28352 22 listings, 6 candidates, bank pressure 59; 28343 3 listings, 0 candidates, bank pressure 59; 28351 2 listings, 0 candidates, bank pressure 54; 28363 1 listings, 1 candidates, bank pressure 54 (Scotland, NC); 28396 0 listings, 0 candidates, bank pressure 59. Scotland, NC totals: 28 listings; Scotland, NC candidates 7; active ZIPs 2.
HUD assisted housing in Scotland, NC
3 assisted properties with 146 units sit in Scotland, NC; largest Scotland, NC properties: Scotland Manor Apartments (Laurinburg) 60 units, 60 assisted; Blues Farm Estates Apartments (Laurinburg) 56 units; Gibson Village (Gibson) 30 units, 30 assisted in Scotland, NC.
Lenders with branches in Scotland, NC
Scotland, NC lenders by branch count: Truist Bank (Scotland, NC): stress 62, 1 branch low in Scotland, NC; First Bank (Scotland, NC): stress 47, 1 branch low in Scotland, NC.
Vacancy and permits, Scotland, NC
1,861 of 14,441 Scotland, NC housing units are vacant; Scotland, NC permits, twelve months: 0 multifamily units in Scotland, NC, 69 one-to-four unit units.
Work Scotland, NC at the parcel level
Every Scotland, NC parcel carries owner and address; every Scotland, NC parcel carries APN; Scotland, NC distress scores sit on the Scotland, NC live board.
Scotland, NC figures refresh with each source.
Scotland, NC questions
Most distressed ZIP code in Scotland County, NC?
ZIP 28364 leads Scotland, NC at 36/100; next in Scotland, NC: 28343 at 24/100; the Scotland, NC average is 25/100.
Where does Scotland County, NC rank for investment opportunity?
Scotland, NC is #75 among all ranked counties, #3 in North Carolina; the Scotland, NC driver is vacancy; Scotland, NC moved up 353 places.
How many mortgages are delinquent in Scotland County, NC?
Scotland, NC takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Scotland, NC.
Which banks lend in Scotland County, NC?
2 watched lenders hold Scotland, NC branches; the largest Scotland, NC footprints are Truist Bank (1), First Bank (1).
More on Scotland, NC
Scotland County, NC distress report: public-record figures for Scotland, NC; not legal advice for Scotland, NC; not tax or investment advice; verify every Scotland, NC record before acting.