ZIP 22538 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 22538 (Caroline County, Virginia) lands at 8/100 — minimal on DLRadar's public-record scoring. Its standout signals are construction/permit lag (37/100), structural risk (17/100), institutional ownership (3/100). structural risk (17/100) and institutional ownership (3/100) stay muted. Structurally it carries 17/100, against 0/100 of stress already in motion.

The expansion-phase market in 22538 posted values that rose 5.5% over the year, at 30/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 129 housing units. 100% of housing is owner-occupied. Vacancy runs 0.0%. DLRadar's demographic-stress index for the area reads 18/100. Population is roughly 278 with a median age of 62. About 25% have a four-year degree. 10.4% of residents fall below the poverty threshold. A median home runs $326,600 here.

Overall 22538 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 22538 read uses the identical public-record model applied coast to coast, which means its 8/100 score means exactly what it means anywhere else, and 22538 stays directly comparable to neighboring ZIPs and the rest of Caroline County, Virginia. The score is rebuilt from public data as it updates, so 22538 reflects the current record instead of a stale or modeled snapshot.

Behind 22538'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 22538 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.