ZIP 02865 Foreclosure, Tax-Lien & Distress Report

ZIP 02865's composite property-distress score is 28/100 - DLRadar classes that as low for Providence County, Rhode Island. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (93/100), FEMA disaster exposure (65/100). On the structural side it scores 60/100, with 6/100 of stress already active. What sets it apart are the readings on structural risk (60/100), institutional ownership (56/100), mortgage stress (21/100). By contrast, mortgage stress (21/100) register low.

The peak-phase market in 02865 posted values that rose 4.4% over the year, and 23% higher over three years (phase confidence 31/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 77% of homes, renters 23%. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. Population is roughly 18,033 with a median age of 45. Around 34% of renters are cost-burdened. The ZIP holds roughly 7,206 housing units. DLRadar's demographic-stress index for the area reads 26/100. About 48% have a four-year degree. A median home runs $470,300 here, or 3.6 times local income. Households earn a median $117,042 — above the roughly $78,000 national figure. Vacancy runs 2.5%.

On balance 02865 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 02865 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 02865 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. 02865 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 02865'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. For an operator, 02865 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.