ZIP 22903 Foreclosure, Tax-Lien & Distress Report

ZIP code 22903 in Albemarle County, Virginia carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Structurally it carries 63/100, against 5/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (76/100), flood (NFIP) exposure (69/100), FEMA disaster exposure (61/100). What sets it apart are the readings on structural risk (63/100), construction/permit lag (57/100), institutional ownership (49/100). By contrast, mortgage stress (18/100) register low.

Prices here sit in a peak phase: values rose 3.6% over the trailing year, and 22% higher over three years, at 20/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 39,925 with a median age of 28. The tenure split is 41% owner-occupied to 59% rented. The ZIP holds roughly 17,815 housing units. Households earn a median $64,352 — below the roughly $78,000 national figure. Roughly 25.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 65% of adults hold a bachelor's degree or higher. The vacancy rate is 9.3%. DLRadar's demographic-stress index for the area reads 47/100. A median home runs $526,200 here, or 7.9 times local income. Rent burden reaches 50% of tenant households.

Net-net, 22903 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 22903 at the moment; the composite and its components are still built from verifiable public records.

The 22903 read uses the identical public-record model applied coast to coast, which means its 28/100 score means exactly what it means anywhere else, and 22903 stays directly comparable to neighboring ZIPs and the rest of Albemarle County, Virginia. 22903 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

22903's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 22903 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.