ZIP 03809 Foreclosure, Tax-Lien & Distress Report

ZIP 03809's composite property-distress score is 12/100 - DLRadar classes that as minimal for Belknap County, New Hampshire. Structurally it carries 25/100, against 2/100 of stress already in motion. The pressure is most legible in structural risk (25/100), construction/permit lag (22/100), mortgage stress (8/100). By contrast, mortgage stress (8/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (62/100).

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 23% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $387,500 (3.6× income, relatively affordable). At $92,278, median income runs above typical U.S. levels. About 3,684 people live here, median age 54. Roughly 4.3% live below the poverty line, a low share typical of higher-equity areas. There are about 1,939 housing units across 03809. Around 22% of renters are cost-burdened. Vacancy runs 24.2%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 32% bachelor's-or-above. Owners hold 89% of homes, renters 11%. On demographic stress specifically, 03809 scores 26/100.

On the whole, 03809 leans distressed, with opportunity clustered in specific stressed parcels. While 03809 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 03809's 12/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 03809, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 03809 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. For an operator, 03809 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.