ZIP 22946 Foreclosure, Tax-Lien & Distress Report

In Albemarle County, Virginia, ZIP 22946 scores 29 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in structural risk (65/100), construction/permit lag (56/100), institutional ownership (51/100). By contrast, mortgage stress (19/100) register low. Structural exposure scores 65 and live distress 6 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (70/100), FEMA disaster exposure (65/100)).

The peak-phase market in 22946 posted values that rose 3.6% over the year (phase confidence 20/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $348,400. 100% of housing is owner-occupied. Vacancy runs 20.0%, above the national norm and a classic distress-and-opportunity signal. About 65% have a four-year degree. Population is roughly 148 with a median age of 45. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. DLRadar's demographic-stress index for the area reads 12/100. The ZIP holds roughly 61 housing units.

On the whole, 22946 leans distressed, with opportunity clustered in specific stressed parcels. While 22946 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 22946 runs hot or quiet, its 29/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 22946 can be compared directly against any other ZIP in Albemarle County, Virginia or nationwide. Nothing here is interpolated — where a source is thin for 22946, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

22946'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. For an operator, 22946 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.