Clay County, NC: Foreclosures, Tax Liens & Distressed Properties
For Clay County, North Carolina, DLRadar turns county and parcel public records into a single distress score per ZIP. County-level credit and bank headwind reads 56/100. Across its ZIPs, composite distress spans 23 to 31 out of 100. Coverage runs to 5 ZIPs across Clay County, a low 26/100 average.
The county market is in a peak phase: home prices rose 2.8% over the past year, at 22/100 phase confidence. This late in the run, the opportunity narrows as the ZIP scores below show.
Clay County's topped-out +2.8% YoY (22/100 confidence) means opportunity is parcel-specific and a county-wide sweep stays on the shelf. Mid-range bank stress at 56/100 implies mixed owner- and bank-driven distress.
The most-distressed ZIP codes in Clay County are 28734 (31/100), 28906 (28/100), 28902 (24/100), 28904 (23/100), 28909 (23/100), each with its own full DLRadar report.
By the numbers, the Clay County ZIPs on file show a 32.3% vacancy rate, median home values around $260,280 (below the national figure), 11.6% of households below the poverty line, 84% of homes owner-occupied, a median household income near $52,103 (below the US norm), a median age of 54.2. These fundamentals drive which owners come under strain and how quickly stock clears.
Clay County, North Carolina's 26/100 average over 5 ZIPs says Clay County is a screen-by-ZIP market — work it parcel by parcel. A DLRadar subscription opens every Clay County parcel: owner, address and APN, a score, the bank behind the note and how fast it should sell.
No county is too small to score: Clay County, North Carolina runs through the same foreclosure, tax, lien and bank-stress model as every major metro, so Clay County's numbers mean exactly what they mean anywhere else in North Carolina.
Used properly, Clay County, North Carolina's scores are a triage layer: they rank where motivated sellers cluster so acquisition spend goes to the ZIPs that convert rather than across Clay County as a whole. Provenance for Clay County is explicit: recorders and courts for filings, FHFA for prices, FDIC for lenders. No interpolation, no synthetic values.
The ZIP breakdown for Clay County leads with 28734 (31/100), 28906 (28/100), 28902 (24/100), 28904 (23/100), 28909 (23/100). Because each ZIP is graded on its own foreclosure, tax and lender record, the county's distress is best read code by code rather than as a single number.
DLRadar's composite for Clay County blends several independent signals — foreclosure and pre-foreclosure filings, mortgage stress, tax delinquency and liens, and the bank-stress headwind of the lenders operating locally — into one 0–100 score per ZIP, so a market can rank high on one axis and low on another.
| ZIP | State | Distress score | 🔒 Owner | 🔒 Property Address | 🔒 Parcel ID |
|---|---|---|---|---|---|
| 28734 | NC | 31 | |||
| 28906 | NC | 28 | |||
| 28902 | NC | 24 | |||
| 28904 | NC | 23 | |||
| 28909 | NC | 23 |
Where distress concentrates in Clay County
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