ZIP 03285 Foreclosure, Tax-Lien & Distress Report

In Grafton County, New Hampshire, ZIP 03285 scores 31 of 100 for composite distress, a moderate level on DLRadar's public-record index. On the structural side it scores 68/100, with 7/100 of stress already active. The most distinctive pressure shows up in structural risk (68/100), construction/permit lag (55/100), institutional ownership (53/100). On the quiet end sit mortgage stress (25/100). Climate and flood risk are elevated too — FEMA disaster exposure (84/100), climate & FEMA risk (83/100), flood (NFIP) exposure (71/100).

The peak-phase market in 03285 posted values that rose 4.3% over the year, and 36% higher over three years, at 29/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $351,900 (3.6× income, relatively affordable). The vacancy rate is 39.1% — elevated. Population is roughly 2,763 with a median age of 47. The tenure split is 83% owner-occupied to 17% rented. Around 42% of adults hold a bachelor's degree or higher. Median household income is $81,094, near the U.S. median near $78,000. The poverty rate is 8.6%. The ZIP holds roughly 2,127 housing units. The demographic-stress sub-score lands at 31/100. Rent burden reaches 47% of tenant households.

On the whole, 03285 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 03285 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 03285 read uses the identical public-record model applied coast to coast, which means its 31/100 score means exactly what it means anywhere else, and 03285 stays directly comparable to neighboring ZIPs and the rest of Grafton County, New Hampshire. Nothing here is interpolated — where a source is thin for 03285, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 03285 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 31/100 roll-up. Treat 03285 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.