ZIP 23120 Foreclosure, Tax-Lien & Distress Report

ZIP 23120's composite property-distress score is 21/100 - 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 (48/100), construction/permit lag (39/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. The split runs 48/100 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 public-record model applied coast to coast, which means its 21/100 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.