ZIP 22940 Foreclosure, Tax-Lien & Distress Report

Albemarle County, Virginia's ZIP 22940 registers 27/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (60/100), construction/permit lag (57/100), institutional ownership (51/100). By contrast, mortgage stress (19/100) register low. On the structural side it scores 60/100, with 6/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (70/100), FEMA disaster exposure (65/100), climate & FEMA risk (62/100)).

The peak-phase market in 22940 posted values that rose 3.6% over the year, and 14% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $93,583, median income runs above typical U.S. levels. The poverty rate is 6.7% — low. Vacancy runs 32.1%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 48% bachelor's-or-above. The demographic-stress sub-score lands at 27/100. There are about 425 housing units across 22940. Rent burden reaches 0% of tenant households. The typical home is worth about $1,359,400 (4.5× income). 69% of housing is owner-occupied. Population is roughly 935 with a median age of 43.

Net-net, 22940 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 22940 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 22940's 27/100 can be lined up against any neighbor in Albemarle County, Virginia or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 22940 shows blanks, not estimates, wherever the record is sparse.

Behind 22940'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. In workflow terms, 22940 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.