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

Clarke County, Virginia sits inside DLRadar's nationwide distress index, built entirely from public records. County-level credit and bank headwind reads 72/100 — elevated, a sign of lender stress locally. ZIP-level distress ranges from 16/100 at the top down to 6/100. Coverage runs to 7 ZIPs across Clarke County, a minimal 10/100 average.

In its peak phase, Clarke County home prices rose 3.4% across the last year (phase confidence 23/100). On a market plateau, blanket buying underperforms — the edge is parcel by parcel.

With Clarke County flat at +3.4% YoY (23/100 confidence), the wins are surgical — target the few ZIPs carrying distress. An elevated 72/100 reading is a buyer tailwind: short sales and foreclosures accelerate.

The most-distressed ZIP codes in Clarke County are 22630 (16/100), 20130 (13/100), 20135 (13/100), 22663 (9/100), 22611 (6/100), 22620 (6/100), each with its own full DLRadar report. Coverage extends to 22646 among others.

On the housing-and-income side, the Clarke County ZIPs on file show vacancy near 9.7%, median home values around $535,833 (above the national figure), household income averaging about $93,665, above the national median, 80% of homes owner-occupied, 8.9% of households below the poverty line, residents with a median age around 47.6. These fundamentals signal the volume of pressured sellers and the exit liquidity behind them.

At 10/100 composite over 7 ZIPs, the edge is selective acquisition where the ZIP scores point. Inside DLRadar, each Clarke County property carries owner, APN and address, a parcel-level score plus bank exposure and liquidity read.

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

Approach Clarke County by rank rather than by average — the 10/100 county figure conceals the spread, since the returns live in the top-scoring ZIPs. Nothing in the Clarke County read is modelled: recorder and court filings drive foreclosure and lien signals, FHFA sets the price cycle, FDIC the lender stress, and a thin source stays blank.

The ZIP breakdown for Clarke County leads with 22630 (16/100), 20130 (13/100), 20135 (13/100), 22663 (9/100), 22611 (6/100), 22620 (6/100). DLRadar also scores 22646 across the county. 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.

Under Clarke 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.