ZIP 23321 Property Distress & Foreclosure Data

ZIP code 23321 in Chesapeake County, Virginia carries a composite property-distress score of 18/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (41/100), institutional ownership (16/100), construction/permit lag (8/100). By contrast, construction/permit lag (8/100) and mortgage stress (6/100) register low. On the structural side it scores 41/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (83/100), flood (NFIP) exposure (71/100).

The market reads peak — home values rose 4.2% year on year, and 19% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

The tenure split is 77% owner-occupied to 23% rented. On demographic stress specifically, 23321 scores 29/100. Households earn a median $98,257 — above the roughly $78,000 national figure. The ZIP holds roughly 15,012 housing units. Roughly 8.5% live below the poverty line. About 39% have a four-year degree. A median home runs $367,900 here, or 3.6 times local income. The vacancy rate is 4.2%. Around 46% of renters are cost-burdened. About 39,469 people live here, median age 38.

Overall 23321 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.