ZIP 03820 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 03820 (Strafford County, New Hampshire) at a low 22/100 for overall property distress. What sets it apart are the readings on construction/permit lag (67/100), structural risk (51/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (71/100), climate & FEMA risk (68/100). On the structural side it scores 51/100, with 2/100 of stress already active.

The peak-phase market in 03820 posted values that rose 4.3% over the year, and 29% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $92,793, median income runs above typical U.S. levels. There are about 15,453 housing units across 03820. Roughly 8.1% live below the poverty line. Around 49% of adults hold a bachelor's degree or higher. Rent burden reaches 40% of tenant households. On demographic stress specifically, 03820 scores 31/100. The typical home is worth about $436,100 (4.3× income). About 33,150 people live here, median age 38. Vacancy runs 2.8%. 51% of housing is owner-occupied.

Overall 03820 looks resilient on the surface, so the edge is isolating individual 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, 03820 runs through one identical public-record model, so its 22/100 sits on the same scale as every other ZIP in Strafford County, New Hampshire and the nation. Nothing here is interpolated — where a source is thin for 03820, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 22/100 for 03820 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 03820 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.