ZIP 02138 Foreclosure, Tax-Lien & Distress Report

ZIP 02138's composite property-distress score is 24/100 - DLRadar classes that as low for Middlesex County, Massachusetts. Structurally it carries 53/100, against 2/100 of stress already in motion. What sets it apart are the readings on structural risk (53/100), construction/permit lag (35/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (76/100).

The peak-phase market in 02138 posted values that rose 2.9% over the year, and 4% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 11.7%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 86% bachelor's-or-above. 38,077 residents call 02138 home, typically aged 29. The tenure split is 41% owner-occupied to 59% rented. Median household income is $122,040, above the U.S. median near $78,000. 12.6% of residents fall below the poverty threshold. A median home runs $1,212,400 here, or 8.9 times local income. There are about 16,043 housing units across 02138. DLRadar's demographic-stress index for the area reads 44/100. Around 44% of renters are cost-burdened.

Overall 02138 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 02138 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 02138's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed as records update; 02138 shows blanks, not estimates, wherever the record is sparse.

Each component behind 02138 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. In workflow terms, 02138 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.