ZIP 25420 Property Distress & Foreclosure Data

DLRadar grades ZIP 25420 (Berkeley County, West Virginia) at a low 24/100 for overall property distress. Property-level stress concentrates in construction/permit lag (69/100), structural risk (56/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 56/100 structural and 2/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (86/100), climate & FEMA risk (73/100).

Prices here sit in a peak phase: values rose 0.7% over the trailing year, 4.2% off the recent peak, and 22% higher over three years (phase confidence 48/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 20% of renters are cost-burdened. The ZIP holds roughly 2,173 housing units. Median household income is $96,020, above the U.S. median near $78,000. 5,086 residents call 25420 home, typically aged 47. Home values center near $289,400, an affordability ratio of 2.9× — accessible. Educational attainment sits at 40% bachelor's-or-above. 11.0% of residents fall below the poverty threshold. Owners hold 81% of homes, renters 19%. DLRadar's demographic-stress index for the area reads 23/100. The vacancy rate is 4.2%.

Overall, 25420 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.