ZIP 02645 Foreclosure, Tax-Lien & Distress Report

ZIP code 02645 in Barnstable County, Massachusetts carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (69/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (14/100) register low. Structurally it carries 69/100, against 4/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (87/100).

The market reads neutral — home values rose 3.7% year on year, and 24% higher over three years, at 28/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Roughly 3.6% live below the poverty line, a low share typical of higher-equity areas. There are about 6,578 housing units across 02645. Around 44% of renters are cost-burdened. Educational attainment sits at 43% bachelor's-or-above. Median household income is $89,898, above the U.S. median near $78,000. The tenure split is 83% owner-occupied to 17% rented. The demographic-stress sub-score lands at 37/100. Home values center near $648,200, an affordability ratio of 6.5×. The vacancy rate is 28.4% — elevated. Population is roughly 11,060 with a median age of 57.

On the whole, 02645 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 02645 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 02645's 30/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 02645 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 02645's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 02645 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.