ZIP 22963 Foreclosure, Tax-Lien & Distress Report

Fluvanna County, Virginia's ZIP 22963 registers 8/100 composite distress, which DLRadar reads as minimal. Its heaviest discrete signals: construction/permit lag (51/100), structural risk (18/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100). Structural exposure scores 18 and live distress 1 on the 0–100 scale.

The market reads peak — home values rose 3.6% year on year, and 2% higher over three years (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

About 16,786 people live here, median age 44. Rent burden reaches 37% of tenant households. The typical home is worth about $327,900 (2.9× income, relatively affordable). The poverty rate is 7.2% — low. The tenure split is 92% owner-occupied to 8% rented. The ZIP holds roughly 7,284 housing units. Vacancy runs 8.7%. Around 42% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 24/100. Median household income is $100,761, above the U.S. median near $78,000.

Overall 22963 looks resilient on the surface, so the edge is isolating individual stressed parcels. 22963 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 22963 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 8/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 22963 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 8/100 figure for 22963 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 22963 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.