ZIP 22645 Property Distress & Foreclosure Data

Composite property distress in 22645 (Frederick County, Virginia) lands at 19/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (67/100), structural risk (44/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (68/100). The latent-versus-live split is 44/100 structural and 2/100 already moving.

Prices here sit in a peak phase: values rose 3.4% over the trailing year, 1.1% off the recent peak, and 19% higher over three years (phase confidence 43/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $81,354, near the U.S. median near $78,000. 8.7% of residents fall below the poverty threshold. The vacancy rate is 5.3%. 4,344 residents call 22645 home, typically aged 45. Around 38% of renters are cost-burdened. Educational attainment sits at 26% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 33/100. Owners hold 77% of homes, renters 23%. The ZIP holds roughly 1,942 housing units. Home values center near $419,900, an affordability ratio of 4.8×.

On balance, 22645 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.