ZIP 02864 Foreclosure, Tax-Lien & Distress Report

Providence County, Rhode Island's ZIP 02864 registers 28/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (flood (NFIP) exposure (95/100), climate & FEMA risk (93/100), FEMA disaster exposure (65/100)). Leading the profile are structural risk (60/100), institutional ownership (56/100), mortgage stress (21/100). On the quiet end sit mortgage stress (21/100). Structural exposure scores 60 and live distress 6 on the 0–100 scale.

The market reads peak — home values rose 4.4% year on year, and 21% higher over three years (phase confidence 31/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $431,000, an affordability ratio of 3.3× — accessible. The vacancy rate is 4.3%. 36,383 residents call 02864 home, typically aged 44. The demographic-stress sub-score lands at 26/100. Owners hold 77% of homes, renters 23%. There are about 14,918 housing units across 02864. Around 43% of adults hold a bachelor's degree or higher. Around 38% of renters are cost-burdened. 4.2% of residents fall below the poverty threshold. Median household income is $118,737, above the U.S. median near $78,000.

On balance 02864 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 02864 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 02864 runs through one identical public-record model, so its 28/100 sits on the same scale as every other ZIP in Providence County, Rhode Island and the nation. 02864 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 28/100 for 02864 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 02864 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.