ZIP 03813 Foreclosure, Tax-Lien & Distress Report

Carroll County, New Hampshire's ZIP 03813 registers 24/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (72/100), flood (NFIP) exposure (68/100)). The latent-versus-live split is 54/100 structural and 7/100 already moving. Its heaviest discrete signals: structural risk (54/100), institutional ownership (47/100), construction/permit lag (26/100). construction/permit lag (26/100) and mortgage stress (24/100) stay muted.

Prices here sit in a peak phase: values rose 3.9% over the trailing year, and 15% higher over three years, at 27/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 2,804 housing units. Vacancy runs 28.9%, above the national norm and a classic distress-and-opportunity signal. Home values center near $252,200, an affordability ratio of 3.7× — accessible. Educational attainment sits at 33% bachelor's-or-above. Around 34% of renters are cost-burdened. Population is roughly 3,897 with a median age of 58. 6.2% of residents fall below the poverty threshold. The demographic-stress sub-score lands at 29/100. Median household income is $58,299, below the U.S. median near $78,000. The tenure split is 84% owner-occupied to 16% rented.

On the whole, 03813 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.

Because one deterministic model scores every ZIP, 03813's 24/100 can be lined up against any neighbor in Carroll County, New Hampshire or any ZIP coast to coast. Where the record is thin for 03813, the field stays empty rather than modeled, and fills in as new documents post.

03813's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 03813 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.