ZIP 22551 Foreclosure, Tax-Lien & Distress Report

Spotsylvania County, Virginia's ZIP 22551 registers 20/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (61/100), structural risk (46/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (65/100), climate & FEMA risk (60/100). Latent structural risk is 46/100 while live distress already moving reads 2/100.

Prices here sit in a peak phase: values rose 3.4% over the trailing year, and 12% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 29% of adults hold a bachelor's degree or higher. The ZIP holds roughly 8,995 housing units. Around 42% of renters are cost-burdened. Home values center near $391,400, an affordability ratio of 3.5× — accessible. Households earn a median $106,497 — above the roughly $78,000 national figure. About 23,366 people live here, median age 40. On demographic stress specifically, 22551 scores 29/100. The vacancy rate is 6.8%. 9.7% of residents fall below the poverty threshold. Owners hold 87% of homes, renters 13%.

Overall 22551 looks resilient on the surface, so the edge is isolating individual stressed parcels. 22551 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 22551 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 22551 stays directly comparable to neighboring ZIPs and the rest of Spotsylvania County, Virginia. Sparse data for 22551 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 20/100 figure for 22551 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, 22551 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.