ZIP 23015 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 23015 (Hanover County, Virginia) returns a low composite of 21/100. The latent-versus-live split is 49/100 structural and 2/100 already moving. The pressure is most legible in construction/permit lag (83/100), structural risk (49/100), institutional ownership (13/100). On the quiet end sit institutional ownership (13/100) and mortgage stress (6/100).

Prices here sit in a peak phase: values rose 3.4% over the trailing year, and 27% higher over three years (phase confidence 20/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $442,900, an affordability ratio of 3.9× — accessible. On demographic stress specifically, 23015 scores 21/100. The vacancy rate is 10.6%. About 46% have a four-year degree. Around 0% of renters are cost-burdened. The tenure split is 90% owner-occupied to 10% rented. Households earn a median $109,648 — above the roughly $78,000 national figure. 4,384 residents call 23015 home, typically aged 44. Roughly 2.7% live below the poverty line, a low share typical of higher-equity areas. There are about 1,981 housing units across 23015.

On balance, 23015 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 23015 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 23015 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 23015 stays directly comparable to neighboring ZIPs and the rest of Hanover County, Virginia. The score is rebuilt from public data as it updates, so 23015 reflects the current record instead of a stale or modeled snapshot.

Each component behind 23015 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. The point of the 23015 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.