ZIP 22407 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 22407 in Spotsylvania County, Virginia comes in at 20, a low composite-distress reading. The sharpest non-environmental signals are construction/permit lag (64/100), structural risk (47/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (65/100), climate & FEMA risk (60/100). Structural exposure scores 47 and live distress 2 on the 0–100 scale.

The market reads peak — home values rose 3.4% year on year, and 17% higher over three years, at 23/100 phase confidence. Topping markets hide individual distress behind strong averages.

Rent burden reaches 44% of tenant households. Vacancy runs 3.9%. At $105,218, median income runs above typical U.S. levels. Educational attainment sits at 33% bachelor's-or-above. The demographic-stress sub-score lands at 29/100. 76% of housing is owner-occupied. 6.7% of residents fall below the poverty threshold. Population is roughly 64,273 with a median age of 38. The typical home is worth about $409,500 (3.6× income, relatively affordable). There are about 23,922 housing units across 22407.

On balance, 22407 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 22407 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 22407 read uses the identical public-record model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 22407 stays directly comparable to neighboring ZIPs and the rest of Spotsylvania County, Virginia. The score is rebuilt from public data as it updates, so 22407 reflects the current record instead of a stale or modeled snapshot.

Behind 22407's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 22407 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.