ZIP 23114 Foreclosure, Tax-Lien & Distress Report

Chesterfield County, Virginia's ZIP 23114 registers 20/100 composite distress, which DLRadar reads as low. Property-level stress concentrates in structural risk (45/100), construction/permit lag (19/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (6/100) stay muted. Structural exposure scores 45 and live distress 2 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (87/100), flood (NFIP) exposure (71/100).

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 23% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

78% of housing is owner-occupied. Rent burden reaches 39% of tenant households. There are about 8,884 housing units across 23114. On demographic stress specifically, 23114 scores 25/100. Households earn a median $108,770 — above the roughly $78,000 national figure. The typical home is worth about $409,100 (3.5× income, relatively affordable). About 57% have a four-year degree. Population is roughly 21,572 with a median age of 40. 6.2% of residents fall below the poverty threshold. Vacancy runs 2.5%.

Broadly, 23114 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 23114 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 20/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 23114 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 20/100 figure for 23114 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. For a buyer, 23114 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.