ZIP 22539 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 22539 in Northumberland County, Virginia comes in at 9, a minimal composite-distress reading. Structural risk reads 19/100 against active distress of 3/100. What sets it apart are the readings on construction/permit lag (32/100), structural risk (19/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and institutional ownership (3/100) register low.

The expansion-phase market in 22539 posted values that rose 5.5% over the year, and 22% higher over three years (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $88,984 — above the roughly $78,000 national figure. There are about 2,020 housing units across 22539. The typical home is worth about $411,400 (4.6× income). Around 34% of adults hold a bachelor's degree or higher. Rent burden reaches 0% of tenant households. The vacancy rate is 55.9% — elevated. The tenure split is 97% owner-occupied to 3% rented. The demographic-stress sub-score lands at 27/100. The poverty rate is 4.5% — low. 1,607 residents call 22539 home, typically aged 65.

On the whole, 22539 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 22539 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 22539 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 9/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 22539, the field stays empty rather than modeled, and fills in as new documents post.

The 9/100 figure for 22539 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, 22539 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.