ZIP 03581 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 03581 (Coos County, New Hampshire) at a low 18/100 for overall property distress. Property-level stress concentrates in structural risk (38/100), institutional ownership (34/100), mortgage stress (20/100). institutional ownership (34/100) and mortgage stress (20/100) stay muted. On the structural side it scores 38/100, with 6/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (71/100), FEMA disaster exposure (71/100).

The market reads peak — home values rose 3.9% year on year, and 49% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $61,370, median income runs below typical U.S. levels. Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $196,400 (2.5× income, relatively affordable). Educational attainment sits at 26% bachelor's-or-above. Around 40% of renters are cost-burdened. Owners hold 77% of homes, renters 23%. DLRadar's demographic-stress index for the area reads 26/100. Population is roughly 3,243 with a median age of 54. 5.9% of residents fall below the poverty threshold. There are about 1,901 housing units across 03581.

On the whole, 03581 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 03581 runs through one identical public-record model, so its 18/100 sits on the same scale as every other ZIP in Coos County, New Hampshire and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 03581 shows blanks, not estimates, wherever the record is sparse.

Behind 03581'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. Practically, 03581 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.