ZIP 23120 Foreclosure, Tax-Lien & Distress Report
Chesterfield County, Virginia · Distress market
ZIP 23120's composite property-distress score is 20/100 - DLRadar classes that as low for Chesterfield County, Virginia. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (67/100)). The sharpest non-environmental signals are structural risk (43/100), construction/permit lag (20/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. The split runs 43/100 structural to 2/100 active on the ground.
Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 22% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
17,240 residents call 23120 home, typically aged 36. The tenure split is 97% owner-occupied to 3% rented. Vacancy runs 0.9%. 2.3% of residents fall below the poverty threshold. Home values center near $569,300, an affordability ratio of 3.1× — accessible. The ZIP holds roughly 5,610 housing units. Around 40% of renters are cost-burdened. About 64% have a four-year degree. On demographic stress specifically, 23120 scores 21/100. At $166,676, median income runs above typical U.S. levels.
Broadly, 23120 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.
The 23120 read uses the identical scoring model applied coast to coast, which means its 20/100 score means exactly what it means anywhere else, and 23120 stays directly comparable to neighboring ZIPs and the rest of Chesterfield County, Virginia. 23120 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
23120's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 23120 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.
Distress signal breakdown — ZIP 23120
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 23120 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 23120, the same set carried on every parcel.
Nearby ZIPs in Chesterfield County
Nearest ZIP codes to 23120
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Chesterfield County, Virginia
Other reports tied to Chesterfield County, Virginia — ZIP, county and statewide.
The complete 23120 distress and acquisition report
The full 23120 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through to owner and lender records. Refreshed continuously.
Built from public records, scored the same way everywhere · methodology