ZIP 03230 Foreclosure, Tax-Lien & Distress Report

ZIP code 03230 in Merrimack County, New Hampshire carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. On the structural side it scores 25/100, with 1/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (81/100). The sharpest non-environmental signals are structural risk (25/100), mortgage stress (3/100), institutional ownership (3/100). institutional ownership (3/100) and construction/permit lag (2/100) stay muted.

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 70% higher over three years, at 29/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $240,700 here, or 3.2 times local income. 15.2% of residents fall below the poverty threshold. About 1,539 people live here, median age 46. The ZIP holds roughly 773 housing units. Vacancy runs 15.2%, above the national norm and a classic distress-and-opportunity signal. About 17% have a four-year degree. 93% of housing is owner-occupied. The demographic-stress sub-score lands at 30/100. Households earn a median $66,458 — below the roughly $78,000 national figure. Rent burden reaches 40% of tenant households.

Taken together, 03230 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 03230 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 03230 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 03230 reflects the current record instead of a stale or modeled snapshot.

Behind 03230'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. The point of the 03230 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.