ZIP 23168 Foreclosure, Tax-Lien & Distress Report

ZIP code 23168 in James City County, Virginia carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 47/100 against active distress of 2/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (60/100). The pressure is most legible in construction/permit lag (70/100), structural risk (47/100), institutional ownership (14/100). institutional ownership (14/100) and mortgage stress (6/100) stay muted.

The peak-phase market in 23168 posted values that rose 3.4% over the year, and 27% higher over three years (phase confidence 30/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 3,423 housing units. The tenure split is 90% owner-occupied to 10% rented. The typical home is worth about $424,900 (3.0× income, relatively affordable). The demographic-stress sub-score lands at 22/100. Median household income is $128,135, above the U.S. median near $78,000. The vacancy rate is 1.7%. Around 36% of renters are cost-burdened. 1.8% of residents fall below the poverty threshold. Population is roughly 8,783 with a median age of 42. Around 44% of adults hold a bachelor's degree or higher.

On balance, 23168 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 23168 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The number is not local guesswork: 23168's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 23168 reflects the current record instead of a stale or modeled snapshot.

The 20/100 figure for 23168 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 an operator, 23168 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.