ZIP 23188 Foreclosure, Tax-Lien & Distress Report
James City County, Virginia · Distress market
Scored purely from public records, 23188 (James City County, Virginia) returns a low composite of 20/100. The split runs 46/100 structural to 2/100 active on the ground. Its heaviest discrete signals: construction/permit lag (67/100), structural risk (46/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (7/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (62/100).
The market reads peak — home values rose 3.4% year on year, and 26% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.
The vacancy rate is 8.2%. The poverty rate is 7.1% — low. 75% of housing is owner-occupied. The ZIP holds roughly 20,504 housing units. Home values center near $449,900, an affordability ratio of 4.0×. Around 50% of renters are cost-burdened. 45,342 residents call 23188 home, typically aged 49. Median household income is $101,088, above the U.S. median near $78,000. Educational attainment sits at 50% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 30/100.
Overall 23188 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 23188 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 23188 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. The score is rebuilt from public data as it updates, so 23188 reflects the current record instead of a stale or modeled snapshot.
Behind 23188's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 23188 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 23188’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
The 23188 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 23188, the same set carried on every parcel.
Adjacent James City County ZIP reports
Explore related distress reports
Further distress data across James City County, Virginia at ZIP, county and state level.
See every distressed parcel in 23188
The full 23188 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology