James City County, VA: Foreclosures, Tax Liens & Distressed Properties

James City County, Virginia is mapped parcel-to-ZIP by DLRadar's public-record distress engine. Bank/credit headwind for the county is 44 on a 0–100 scale, a moderate reading. The county spans 5 scored ZIP codes, averaging 18/100 composite distress. The county's ZIP scores run from 14 up to 20/100.

In its peak phase, James City County home prices rose 3.4% across the last year, at 30/100 phase confidence. This late in the run, distress turns selective leaving the wins in individual deals.

Near the cycle top at +3.4% YoY (30/100 confidence), the wins are surgical and a county-wide sweep stays on the shelf. Mid-range bank stress at 44/100 means mixed owner- and bank-driven distress.

Distress concentrates in ZIP 23081 (20/100), ZIP 23168 (20/100), ZIP 23188 (20/100), ZIP 23185 (18/100), ZIP 23089 (14/100) — drill into any for the parcel-level read.

Underneath the scores, the James City County ZIPs on file run a 6.8% poverty rate, 7.9% of units sitting vacant, a median household income near $104,423 (above the US norm), median home values around $426,225 (above the national figure), residents with a median age around 45.5, 81% owner-occupancy. Read together, they frame who sells under pressure and how fast a deal moves.

James City County, Virginia's 18/100 average over 5 ZIPs says James City County rewards parcel-by-parcel work for a disciplined buyer. Unlock James City County to see every parcel's owner, mailing address, APN, a distress score plus a funding-to-closing path.

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

James City County, Virginia is best worked from the top of the score down; blanket outreach across James City County dilutes effort that the ZIP-level numbers would have focused. What supports the James City County read is documentary: filings from the recorder and courts, federal price and bank data, and blanks wherever coverage is thin.

The ZIP breakdown for James City County leads with 23081 (20/100), 23168 (20/100), 23188 (20/100), 23185 (18/100), 23089 (14/100). 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.

Under James City 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.