ZIP 03816 Foreclosure, Tax-Lien & Distress Report

Carroll County, New Hampshire's ZIP 03816 registers 24/100 composite distress, which DLRadar reads as low. On the structural side it scores 53/100, with 7/100 of stress already active. Its heaviest discrete signals: structural risk (53/100), institutional ownership (39/100), construction/permit lag (30/100). construction/permit lag (30/100) and mortgage stress (24/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (72/100), flood (NFIP) exposure (70/100).

The market reads peak — home values rose 3.9% year on year, and 54% 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 838 housing units. The typical home is worth about $426,700 (4.7× income). Vacancy runs 32.9%, above the national norm and a classic distress-and-opportunity signal. Owners hold 93% of homes, renters 7%. Around 39% of adults hold a bachelor's degree or higher. At $85,750, median income runs near typical U.S. levels. Around 0% of renters are cost-burdened. On demographic stress specifically, 03816 scores 26/100. Population is roughly 1,441 with a median age of 47. Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas.

Taken together, 03816 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 03816 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 03816 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 03816 stays directly comparable to neighboring ZIPs and the rest of Carroll County, New Hampshire. Sparse data for 03816 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 24/100 figure for 03816 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. For a buyer, 03816 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.