ZIP 03860 Foreclosure, Tax-Lien & Distress Report

ZIP 03860's composite property-distress score is 24/100 - DLRadar classes that as low for Carroll County, New Hampshire. Leading the profile are structural risk (53/100), institutional ownership (39/100), construction/permit lag (30/100). By contrast, construction/permit lag (30/100) and mortgage stress (24/100) register low. Structural risk reads 53/100 against active distress of 7/100. Climate and flood risk are elevated too — climate & FEMA risk (72/100), flood (NFIP) exposure (70/100).

The peak-phase market in 03860 posted values that rose 3.9% over the year, and 3% higher over three years (phase confidence 27/100). Topping markets hide individual distress behind strong averages.

Median household income is $81,771, near the U.S. median near $78,000. On demographic stress specifically, 03860 scores 30/100. Around 40% of adults hold a bachelor's degree or higher. Around 18% of renters are cost-burdened. Vacancy runs 38.6%, above the national norm and a classic distress-and-opportunity signal. About 3,780 people live here, median age 56. 9.6% of residents fall below the poverty threshold. 62% of housing is owner-occupied. The typical home is worth about $401,500 (4.0× income). The ZIP holds roughly 3,281 housing units.

Net-net, 03860 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 03860 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 03860 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 03860 can be compared directly against any other ZIP in Carroll County, New Hampshire or nationwide. The score is rebuilt from public data as it updates, so 03860 reflects the current record instead of a stale or modeled snapshot.

The 24/100 figure for 03860 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, 03860 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.