Charlottesville County, VA: Foreclosures, Tax Liens & Distressed Properties

Across Charlottesville County, Virginia, DLRadar grades every ZIP for foreclosure, mortgage, tax and bank-stress distress. DLRadar scores 5 ZIPs here, with a mean composite of 26/100. County-level credit and bank headwind reads 55/100. ZIP-level distress ranges from 28/100 at the top down to 18/100.

Currently peak, Charlottesville County saw prices rise 3.6% year over year (phase confidence 20/100). With pricing topped out, broad sweeps stop paying with opportunity concentrated by ZIP.

Near the cycle top at +3.6% YoY (20/100 confidence), opportunity is parcel-specific — target the few ZIPs carrying distress. A mid-cycle 55/100 lender reading points to a blend the ZIP scores sort out.

Highest scores land in 22901 (28/100), 22902 (28/100), 22903 (28/100), 22904 (28/100), 22908 (18/100); each opens to a full parcel breakdown.

On the housing-and-income side, Charlottesville County's scored ZIPs show typical home values near $488,033, a 14.5% poverty rate, residents with a median age around 32.3, a median household income near $89,759 (above the US norm), an owner-occupied share of 38%, vacancy near 5.4%. Income, equity and tenure like these drive both the distress on offer and the exit velocity.

Net of it all, 26/100 over 5 ZIPs means distress here is parcel-specific rather than a blanket buy. Unlock Charlottesville County to see every parcel's owner, address and APN, a score, the bank behind the note and how fast it should sell.

Because Charlottesville County, Virginia is scored on the identical public-record model used nationwide, even a quiet county is measured on one scale — letting you weigh Charlottesville County against neighboring markets or the rest of Virginia on equal footing.

Charlottesville County, Virginia is best worked from the top of the score down; blanket outreach across Charlottesville County dilutes effort that the ZIP-level numbers would have focused. All Charlottesville County inputs are public record — recorder, court, FHFA and FDIC — and the score is rebuilt on ingest rather than modelled forward.

Drilling in, Charlottesville County's highest-scoring ZIPs are 22901 (28/100), 22902 (28/100), 22903 (28/100), 22904 (28/100), 22908 (18/100). 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.

The Charlottesville County score is not a single measure but a composite: foreclosure activity, mortgage and tax-lien stress, and local lender headwind each feed it, which is why understanding the components matters as much as the headline number.