ZIP 03812 Foreclosure, Tax-Lien & Distress Report

ZIP 03812's composite property-distress score is 24/100 - DLRadar classes that as low for Carroll County, New Hampshire. The latent-versus-live split is 53/100 structural and 0/100 already moving. The sharpest non-environmental signals are structural risk (53/100), institutional ownership (39/100), construction/permit lag (30/100). By contrast, institutional ownership (39/100) and construction/permit lag (30/100) register low. Environmental exposure also runs high (climate & FEMA risk (72/100), flood (NFIP) exposure (70/100)).

The peak-phase market in 03812 posted values that rose 3.9% over the year, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

909 residents call 03812 home, typically aged 58. The ZIP holds roughly 1,667 housing units. The demographic-stress sub-score lands at 25/100. Vacancy runs 71.2%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $348,400. 92% of housing is owner-occupied. Roughly 4.0% live below the poverty line, a low share typical of higher-equity areas. Around 48% of adults hold a bachelor's degree or higher.

Net-net, 03812 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 03812 at the moment; the composite and its components are still built from verifiable public records.

The 03812 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 03812 stays directly comparable to neighboring ZIPs and the rest of Carroll County, New Hampshire. Nothing here is interpolated — where a source is thin for 03812, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

03812's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 03812 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.