ZIP 23838 Foreclosure, Tax-Lien & Distress Report

Chesterfield County, Virginia's ZIP 23838 registers 20/100 composite distress, which DLRadar reads as low. On the structural side it scores 45/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (87/100), flood (NFIP) exposure (71/100). Leading the profile are structural risk (45/100), construction/permit lag (19/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (6/100).

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 21% higher over three years, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 2.3%. Owners hold 96% of homes, renters 4%. The typical home is worth about $465,500 (3.3× income, relatively affordable). Around 43% of adults hold a bachelor's degree or higher. 3.0% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 21/100. About 17,213 people live here, median age 47. The ZIP holds roughly 6,551 housing units. Around 18% of renters are cost-burdened. At $130,376, median income runs above typical U.S. levels.

Overall 23838 looks resilient on the surface, so the edge is isolating individual stressed parcels. 23838 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 23838 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. Nothing here is interpolated — where a source is thin for 23838, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

23838's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 23838 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.