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

Madison County, Virginia is mapped parcel-to-ZIP by DLRadar's public-record distress engine. The county's ZIP scores run from 12 up to 20/100. Bank/credit headwind for the county is 32 on a 0–100 scale, a contained reading. 22 ZIP codes are tracked county-wide, averaging 16/100 distress.

The county market is in a expansion phase: home prices rose 5.5% over the past year, at 30/100 phase confidence. Despite the upswing, pockets of distress persist where the composite stays elevated.

Through Madison County's +5.5% YoY climb (30/100 confidence), liquidity improves for clean exits which speeds resale of distressed buys. Lender stress at 32/100 (contained) favors owner-driven distress more than bank stock.

Top distress by ZIP runs 22973 (20/100), 22960 (18/100), 22972 (18/100), 22701 (17/100), 22733 (17/100), 22735 (17/100), listed with every scored ZIP below. Further scored ZIPs: 22709, 22711, 22715, 22719, 22722, 22723, 22725, 22727, 22730, 22731.

On the housing-and-income side, the Madison County ZIPs on file come in at poverty running near 7.3%, an owner-occupied share of 80%, home values averaging roughly $418,241, above the US, incomes around $87,516, residents with a median age around 47.8, 10.2% of units sitting vacant. Taken together, they drive both the distress on offer and the exit velocity.

Net of it all, 16/100 over 22 ZIPs means Madison County rewards parcel-by-parcel work rather than a blanket buy. Inside DLRadar, each Madison County property carries owner and contact detail, APN, a distress score plus a funding-to-closing path.

No county is too small to score: Madison County, Virginia runs through the same foreclosure, tax, lien and bank-stress model as every major metro, so Madison County's numbers mean exactly what they mean anywhere else in Virginia.

Used properly, Madison County, Virginia's scores are a triage layer: they rank where motivated sellers cluster so acquisition spend goes to the ZIPs that convert rather than across Madison County as a whole. Nothing in the Madison 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.

At the ZIP level, the sharpest readings in Madison County are 22973 (20/100), 22960 (18/100), 22972 (18/100), 22701 (17/100), 22733 (17/100), 22735 (17/100). DLRadar also scores 22709, 22711, 22715, 22719, 22722, 22723, 22725, 22727 and more across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

DLRadar's composite for Madison 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.