ZIP 02895 Foreclosure, Tax-Lien & Distress Report

In Providence County, Rhode Island, ZIP 02895 scores 28 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (93/100), FEMA disaster exposure (65/100). The most distinctive pressure shows up in structural risk (60/100), institutional ownership (56/100), mortgage stress (21/100). On the quiet end sit mortgage stress (21/100). The latent-versus-live split is 60/100 structural and 6/100 already moving.

The market reads peak — home values rose 4.4% year on year, and 29% higher over three years, at 31/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 10.1%. On demographic stress specifically, 02895 scores 39/100. 43,081 residents call 02895 home, typically aged 36. Around 38% of renters are cost-burdened. The tenure split is 38% owner-occupied to 62% rented. About 19% have a four-year degree. Home values center near $311,000, an affordability ratio of 4.6×. There are about 19,429 housing units across 02895. The poverty rate is 19.7% — high, a tax-stress and distress correlate. Median household income is $58,579, below the U.S. median near $78,000.

Net-net, 02895 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 02895 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 02895 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 02895 shows blanks, not estimates, wherever the record is sparse.

The 28/100 figure for 02895 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 02895 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.