ZIP 22435 Foreclosure, Tax-Lien & Distress Report

ZIP code 22435 in Northumberland County, Virginia carries a composite property-distress score of 8/100 — a minimal reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are construction/permit lag (28/100), structural risk (18/100), mortgage stress (8/100). On the quiet end sit mortgage stress (8/100) and institutional ownership (3/100). On the structural side it scores 18/100, with 3/100 of stress already active.

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 7% higher over three years (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $187,100 (3.2× income, relatively affordable). Households earn a median $63,000 — below the roughly $78,000 national figure. The tenure split is 86% owner-occupied to 14% rented. The vacancy rate is 24.6% — elevated. 2,447 residents call 22435 home, typically aged 40. Roughly 10.0% live below the poverty line. Around 54% of renters are cost-burdened. Educational attainment sits at 34% bachelor's-or-above. There are about 1,290 housing units across 22435. The demographic-stress sub-score lands at 31/100.

Net-net, 22435 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.

The number is not local guesswork: 22435's 8/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed as records update; 22435 shows blanks, not estimates, wherever the record is sparse.

22435'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. The point of the 22435 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.