ZIP 03855 Foreclosure, Tax-Lien & Distress Report

ZIP 03855's composite property-distress score is 22/100 - DLRadar classes that as low for Strafford County, New Hampshire. Its standout signals are construction/permit lag (67/100), structural risk (51/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. Environmental exposure also runs high (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.

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 27% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $99,122 — above the roughly $78,000 national figure. 6.0% of residents fall below the poverty threshold. Around 28% of renters are cost-burdened. Vacancy runs 36.9%, above the national norm and a classic distress-and-opportunity signal. 92% of housing is owner-occupied. 2,735 residents call 03855 home, typically aged 44. There are about 1,639 housing units across 03855. The demographic-stress sub-score lands at 27/100. About 34% have a four-year degree. The typical home is worth about $339,400 (3.1× income, relatively affordable).

Net-net, 03855 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 03855 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 03855 reflects the current record instead of a stale or modeled snapshot.

Each component behind 03855 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 22/100 roll-up. The point of the 03855 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.