ZIP 22645 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 22645 (Frederick County, Virginia) at a low 17/100 for overall property distress. Leading the profile are construction/permit lag (50/100), structural risk (40/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). Environmental exposure also runs high (flood (NFIP) exposure (68/100)). Structural exposure scores 40 and live distress 2 on the 0–100 scale.

The expansion-phase market in 22645 posted values that rose 5.0% over the year, and 19% higher over three years, at 25/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $81,354 — near the roughly $78,000 national figure. The poverty rate is 8.7%. The vacancy rate is 5.3%. About 4,344 people live here, median age 45. Around 38% of renters are cost-burdened. About 26% have a four-year degree. DLRadar's demographic-stress index for the area reads 33/100. The tenure split is 77% owner-occupied to 23% rented. There are about 1,942 housing units across 22645. A median home runs $419,900 here, or 4.8 times local income.

On balance, 22645 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. While 22645 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 22645 runs through one identical public-record model, so its 17/100 sits on the same scale as every other ZIP in Frederick County, Virginia and the nation. The score is rebuilt from public data as it updates, so 22645 reflects the current record instead of a stale or modeled snapshot.

Behind 22645'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. Practically, 22645 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.