ZIP 03238 Foreclosure, Tax-Lien & Distress Report

ZIP 03238's composite property-distress score is 31/100 - DLRadar classes that as moderate for Grafton County, New Hampshire. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), climate & FEMA risk (83/100), flood (NFIP) exposure (71/100). The sharpest non-environmental signals are structural risk (68/100), construction/permit lag (55/100), institutional ownership (53/100). On the quiet end sit mortgage stress (25/100). The latent-versus-live split is 68/100 structural and 7/100 already moving.

Prices here sit in a peak phase: values rose 4.3% over the trailing year (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 100% owner-occupied to 0% rented. On demographic stress specifically, 03238 scores 25/100. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. Home values center near $189,900, an affordability ratio of 4.3×. Median household income is $44,350, below the U.S. median near $78,000. About 52 people live here, median age 61. The ZIP holds roughly 43 housing units. Around 14% of adults hold a bachelor's degree or higher. The vacancy rate is 0.0%.

On balance 03238 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 03238 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 03238 runs through one identical public-record model, so its 31/100 sits on the same scale as every other ZIP in Grafton County, New Hampshire and the nation. Where the public record is thin for 03238, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 03238 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 31/100 roll-up. In workflow terms, 03238 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.