ZIP 23040 Foreclosure, Tax-Lien & Distress Report
Cumberland County, Virginia · Distress market
Composite property distress in 23040 (Cumberland County, Virginia) lands at 9/100 — minimal on DLRadar's public-record scoring. The latent-versus-live split is 20/100 structural and 4/100 already moving. Leading the profile are institutional ownership (24/100), construction/permit lag (23/100), structural risk (20/100). structural risk (20/100) and mortgage stress (12/100) stay muted.
Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 26% higher over three years, at 30/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
The ZIP holds roughly 2,326 housing units. The poverty rate is 10.0%. Households earn a median $55,019 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 30/100. About 10% have a four-year degree. The typical home is worth about $234,000 (3.4× income, relatively affordable). Owners hold 67% of homes, renters 33%. Population is roughly 4,491 with a median age of 47. Around 28% of renters are cost-burdened. The vacancy rate is 8.8%.
On balance 23040 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 23040 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
Whether 23040 runs hot or quiet, its 9/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 23040 can be compared directly against any other ZIP in Cumberland County, Virginia or nationwide. The score is rebuilt from public data as it updates, so 23040 reflects the current record instead of a stale or modeled snapshot.
The 9/100 figure for 23040 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. Treat 23040 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 23040
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
The 23040 distress snapshot
The live 23040 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Cumberland County ZIPs near 23040
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Built from public records, scored the same way everywhere · methodology