ZIP 03227 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 03227 in Carroll County, New Hampshire comes in at 24, a low composite-distress reading. Structural risk reads 53/100 against active distress of 7/100. It additionally carries heavy environmental risk: climate & FEMA risk (72/100), flood (NFIP) exposure (70/100). The pressure is most legible in structural risk (53/100), institutional ownership (39/100), construction/permit lag (30/100). By contrast, construction/permit lag (30/100) and mortgage stress (24/100) register low.

Prices here sit in a peak phase: values rose 3.9% over the trailing year (phase confidence 27/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

91% of housing is owner-occupied. The ZIP holds roughly 1,014 housing units. The poverty rate is 3.4% — low. Vacancy runs 30.2%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 1,399 with a median age of 62. About 64% have a four-year degree. At $141,083, median income runs above typical U.S. levels. Rent burden reaches 25% of tenant households. A median home runs $452,000 here, or 2.7 times local income. The demographic-stress sub-score lands at 20/100.

Net-net, 03227 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 03227 at the moment; the composite and its components are still built from verifiable public records.

The 03227 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 03227 stays directly comparable to neighboring ZIPs and the rest of Carroll County, New Hampshire. The score is rebuilt from public data as it updates, so 03227 reflects the current record instead of a stale or modeled snapshot.

Each component behind 03227 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. In workflow terms, 03227 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.