ZIP 03445 Foreclosure, Tax-Lien & Distress Report

In Cheshire County, New Hampshire, ZIP 03445 scores 12 of 100 for composite distress, a minimal level on DLRadar's distress index. Climate and flood risk are elevated too — climate & FEMA risk (65/100). Leading the profile are structural risk (25/100), construction/permit lag (19/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted. Structural exposure scores 25 and live distress 1 on the 0–100 scale.

The peak-phase market in 03445 posted values that rose 4.3% over the year, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 699 people live here, median age 47. The tenure split is 94% owner-occupied to 6% rented. A median home runs $236,500 here, or 2.2 times local income. About 23% have a four-year degree. Vacancy runs 6.4%. There are about 288 housing units across 03445. Around 31% of renters are cost-burdened. The poverty rate is 4.1% — low. On demographic stress specifically, 03445 scores 22/100. Households earn a median $95,625 — above the roughly $78,000 national figure.

On balance, 03445 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 03445's 12/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 03445 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 12/100 figure for 03445 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. Practically, 03445 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.