ZIP 23831 Foreclosure, Tax-Lien & Distress Report

ZIP code 23831 in Chesterfield County, Virginia carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic distress index. What sets it apart are the readings on structural risk (45/100), construction/permit lag (19/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (71/100). Structural exposure scores 45 and live distress 2 on the 0–100 scale.

The peak-phase market in 23831 posted values that rose 3.1% over the year, and 16% higher over three years, at 18/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

5.8% of residents fall below the poverty threshold. 37,819 residents call 23831 home, typically aged 41. The ZIP holds roughly 16,003 housing units. The vacancy rate is 4.0%. Median household income is $92,092, above the U.S. median near $78,000. The demographic-stress sub-score lands at 26/100. Educational attainment sits at 37% bachelor's-or-above. The typical home is worth about $336,700 (3.3× income, relatively affordable). Rent burden reaches 33% of tenant households. The tenure split is 75% owner-occupied to 25% rented.

On balance, 23831 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 23831 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 23831 runs through one identical scoring model, so its 20/100 sits on the same scale as every other ZIP in Chesterfield County, Virginia and the nation. Where the record is thin for 23831, the field stays empty rather than modeled, and fills in as new documents post.

23831's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 23831 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.