ZIP 23962 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 23962 in Charlotte County, Virginia comes in at 17, a low composite-distress reading. Latent structural risk is 37/100 while live distress already moving reads 7/100. What sets it apart are the readings on construction/permit lag (57/100), institutional ownership (54/100), structural risk (37/100). structural risk (37/100) and mortgage stress (24/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (63/100).

The market reads expansion — home values rose 5.5% year on year (phase confidence 30/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

74% of housing is owner-occupied. Home values center near $86,500, an affordability ratio of 1.6× — accessible. Roughly 25.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The demographic-stress sub-score lands at 31/100. About 498 people live here, median age 52. Around 13% of adults hold a bachelor's degree or higher. Vacancy runs 16.1%, above the national norm and a classic distress-and-opportunity signal. Around 54% of renters are cost-burdened. The ZIP holds roughly 454 housing units. Median household income is $53,800, below the U.S. median near $78,000.

On the whole, 23962 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 23962 is not published yet -- the ZIP-level readings above remain fully sourced.

The number is not local guesswork: 23962's 17/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 23962, the field stays empty rather than modeled, and fills in as new documents post.

The 17/100 figure for 23962 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. In workflow terms, 23962 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.