ZIP 03865 Foreclosure, Tax-Lien & Distress Report

Rockingham County, New Hampshire's ZIP 03865 registers 25/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (95/100), climate & FEMA risk (88/100). The pressure is most legible in structural risk (55/100), institutional ownership (44/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) register low. On the structural side it scores 55/100, with 5/100 of stress already active.

The peak-phase market in 03865 posted values that rose 4.3% over the year, and 23% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $404,500, an affordability ratio of 3.5× — accessible. About 36% have a four-year degree. Owners hold 82% of homes, renters 18%. DLRadar's demographic-stress index for the area reads 26/100. 7,850 residents call 03865 home, typically aged 42. The ZIP holds roughly 3,213 housing units. Roughly 5.0% live below the poverty line, a low share typical of higher-equity areas. Around 41% of renters are cost-burdened. The vacancy rate is 0.0%. At $109,040, median income runs above typical U.S. levels.

On balance 03865 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 03865 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 03865 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 03865 can be compared directly against any other ZIP in Rockingham County, New Hampshire or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 03865 shows blanks, not estimates, wherever the record is sparse.

03865's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 03865 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.