ZIP 03222 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 03222 (Grafton County, New Hampshire) returns a moderate composite of 30/100. Its standout signals are structural risk (67/100), construction/permit lag (60/100), institutional ownership (49/100). By contrast, mortgage stress (25/100) register low. Environmental exposure also runs high (climate & FEMA risk (83/100), FEMA disaster exposure (72/100), flood (NFIP) exposure (69/100)). Latent structural risk is 67/100 while live distress already moving reads 7/100.

The peak-phase market in 03222 posted values that rose 4.3% over the year, and 29% higher over three years, at 29/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $313,000 (3.3× income, relatively affordable). Around 42% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 32/100. Population is roughly 6,135 with a median age of 49. Roughly 9.2% live below the poverty line. The ZIP holds roughly 4,015 housing units. Median household income is $78,535, near the U.S. median near $78,000. 78% of housing is owner-occupied. About 28% have a four-year degree. The vacancy rate is 39.1% — elevated.

Net-net, 03222 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 03222 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 03222 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 03222, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 03222 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. Practically, 03222 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.