ZIP 03220 Foreclosure, Tax-Lien & Distress Report

ZIP 03220's composite property-distress score is 12/100 - DLRadar classes that as minimal for Belknap County, New Hampshire. It additionally carries heavy environmental risk: climate & FEMA risk (62/100). The split runs 25/100 structural to 2/100 active on the ground. Its standout signals are structural risk (25/100), construction/permit lag (22/100), mortgage stress (7/100). mortgage stress (7/100) and institutional ownership (3/100) stay muted.

The peak-phase market in 03220 posted values that rose 4.3% over the year, and 37% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $78,151 — near the roughly $78,000 national figure. 83% of housing is owner-occupied. 7,376 residents call 03220 home, typically aged 49. Rent burden reaches 39% of tenant households. DLRadar's demographic-stress index for the area reads 30/100. Educational attainment sits at 19% bachelor's-or-above. The poverty rate is 11.0%. There are about 3,677 housing units across 03220. Home values center near $316,200, an affordability ratio of 3.4× — accessible. Vacancy runs 16.8%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 03220 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 03220 runs hot or quiet, its 12/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 03220 can be compared directly against any other ZIP in Belknap County, New Hampshire or nationwide. Sparse data for 03220 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 12/100 for 03220 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 03220 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.