ZIP 23004 Foreclosure, Tax-Lien & Distress Report

ZIP code 23004 in Buckingham County, Virginia carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (39/100), construction/permit lag (39/100), structural risk (29/100). On the quiet end sit structural risk (29/100) and mortgage stress (16/100). It additionally carries heavy environmental risk: FEMA disaster exposure (71/100). The latent-versus-live split is 29/100 structural and 5/100 already moving.

The market reads expansion — home values rose 5.5% year on year (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Home values center near $162,600, an affordability ratio of 2.3× — accessible. Roughly 6.9% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 22% of tenant households. Around 13% of adults hold a bachelor's degree or higher. The ZIP holds roughly 433 housing units. Owners hold 78% of homes, renters 22%. Vacancy runs 8.9%. The demographic-stress sub-score lands at 24/100. At $54,318, median income runs below typical U.S. levels. Population is roughly 878 with a median age of 49.

Net-net, 23004 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 23004 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 23004 runs through one identical public-record model, so its 14/100 sits on the same scale as every other ZIP in Buckingham County, Virginia and the nation. The score is rebuilt from public data as it updates, so 23004 reflects the current record instead of a stale or modeled snapshot.

Each component behind 23004 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. For a buyer, 23004 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.