ZIP 22974 Foreclosure, Tax-Lien & Distress Report
Fluvanna County, Virginia · Distress market
DLRadar grades ZIP 22974 (Fluvanna County, Virginia) at a minimal 11/100 for overall property distress. What sets it apart are the readings on construction/permit lag (56/100), structural risk (24/100), institutional ownership (7/100). institutional ownership (7/100) and mortgage stress (4/100) stay muted. The split runs 24/100 structural to 1/100 active on the ground.
The peak-phase market in 22974 posted values that rose 3.8% over the year, and 17% higher over three years, at 21/100 phase confidence. Topping markets hide individual distress behind strong averages.
About 5,123 people live here, median age 43. At $108,859, median income runs above typical U.S. levels. Vacancy runs 8.3%. Around 0% of renters are cost-burdened. The typical home is worth about $368,900 (2.9× income, relatively affordable). The poverty rate is 3.9% — low. 90% of housing is owner-occupied. The ZIP holds roughly 1,506 housing units. Around 26% of adults hold a bachelor's degree or higher. On demographic stress specifically, 22974 scores 20/100.
On balance, 22974 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 22974 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The 22974 read uses the identical public-record model applied coast to coast, which means its 11/100 score means exactly what it means anywhere else, and 22974 stays directly comparable to neighboring ZIPs and the rest of Fluvanna County, Virginia. 22974 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 11/100 figure for 22974 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. Practically, 22974 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
ZIP 22974 distress signals, scored
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 22974 distress snapshot
The live 22974 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Fluvanna County ZIP reports
Related reports across Fluvanna County, Virginia
Related ZIP, county and statewide reads linked to Fluvanna County, Virginia.
The complete 22974 distress and acquisition report
Pull every distressed parcel in 22974 — owner, address, APN, distress score, lender exposure and exit read — with funding and closing one click away. Nationwide coverage, continuously updated.
No modelling: every input is a public record · methodology