ZIP 03246 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 03246 in Belknap County, New Hampshire comes in at 12, a minimal composite-distress reading. Climate and flood risk are elevated too — climate & FEMA risk (62/100). Structural risk reads 24/100 against active distress of 2/100. The pressure is most legible in structural risk (24/100), construction/permit lag (19/100), mortgage stress (8/100). On the quiet end sit mortgage stress (8/100) and institutional ownership (3/100).

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 28% higher over three years, at 29/100 phase confidence. Topping markets hide individual distress behind strong averages.

Roughly 12.1% live below the poverty line. 63% of housing is owner-occupied. Median household income is $68,407, below the U.S. median near $78,000. The ZIP holds roughly 10,340 housing units. Rent burden reaches 51% of tenant households. Population is roughly 17,006 with a median age of 45. Around 25% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 38/100. The typical home is worth about $339,700 (4.5× income). The vacancy rate is 31.8% — elevated.

On the whole, 03246 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 03246 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 03246 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 03246 can be compared directly against any other ZIP in Belknap County, New Hampshire or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 03246 shows blanks, not estimates, wherever the record is sparse.

The 12/100 figure for 03246 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 03246 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.