ZIP 22630 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 22630 (Warren County, Virginia) returns a low composite of 16/100. The most distinctive pressure shows up in construction/permit lag (56/100), structural risk (39/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (8/100). On the structural side it scores 39/100, with 2/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (66/100)).

Prices here sit in a peak phase: values rose 3.4% over the trailing year, and 20% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 74% of homes, renters 26%. Roughly 11.5% live below the poverty line. Home values center near $358,600, an affordability ratio of 3.9× — accessible. There are about 14,615 housing units across 22630. The vacancy rate is 7.4%. About 26% have a four-year degree. At $84,513, median income runs near typical U.S. levels. On demographic stress specifically, 22630 scores 30/100. Rent burden reaches 28% of tenant households. About 35,211 people live here, median age 41.

Overall 22630 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.

No ZIP is too small to score: 22630 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 16/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 22630 reflects the current record instead of a stale or modeled snapshot.

The 16/100 figure for 22630 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, 22630 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.