Scotland County, NC: Foreclosures, Tax Liens & Distressed Properties

Every ZIP in Scotland County, North Carolina carries a DLRadar distress score assembled from foreclosure, tax, mortgage and lender records. ZIP-level distress ranges from 32/100 at the top down to 20/100. The county spans 7 scored ZIP codes, averaging 24/100 composite distress. Lender pressure in Scotland County registers 53/100 — a moderate bank-stress headwind.

The peak-phase county posted home values that rose 1.9% over twelve months, at 18/100 phase confidence. This late in the run, broad sweeps stop paying as the ZIP scores below show.

Near the cycle top at +1.9% YoY (18/100 confidence), selectivity rules well beyond the county average. Mid-range bank stress at 53/100 points to a blend the ZIP scores sort out.

By composite, 28364 (32/100), 28343 (24/100), 28351 (24/100), 28352 (24/100), 28396 (24/100), 28363 (23/100) top the county — tap any ZIP to go deeper. Other tracked Scotland County ZIPs include 28345.

Underneath the scores, Scotland County's tracked footprint show a median household income near $40,090 (below the US norm), 13.2% of units sitting vacant, 23.5% of households below the poverty line, a median age of 39.8, 65% of homes owner-occupied, typical home values near $104,386. Taken together, they signal both the distress on offer and the exit velocity.

At 24/100 composite over 7 ZIPs, the edge is selective acquisition rather than a blanket buy. Inside DLRadar, each Scotland County property carries owner and contact detail, APN, score, bank exposure and an exit-velocity estimate.

The distress read for Scotland County, North Carolina is refreshed as new public records post and uses the same methodology coast to coast, so Scotland County stays directly comparable to any other market you track.

Approach Scotland County by rank rather than by average — the 24/100 county figure conceals the spread, since the returns live in the top-scoring ZIPs. The Scotland County figures are auditable line by line — county recorders and courts, FHFA price data, FDIC bank filings — with gaps left visible rather than filled by estimate.

Drilling in, Scotland County's highest-scoring ZIPs are 28364 (32/100), 28343 (24/100), 28351 (24/100), 28352 (24/100), 28396 (24/100), 28363 (23/100). DLRadar also scores 28345 across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

Under Scotland County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.