ZIP 27816 Foreclosure, Tax-Lien & Distress Report

In Franklin County, North Carolina, ZIP 27816 scores 28 of 100 for composite distress, a low level on DLRadar's distress index. Environmental exposure also runs high (FEMA disaster exposure (91/100), flood (NFIP) exposure (70/100), climate & FEMA risk (66/100)). The most distinctive pressure shows up in institutional ownership (61/100), structural risk (61/100), construction/permit lag (39/100). On the quiet end sit construction/permit lag (39/100) and mortgage stress (25/100). Structural risk reads 61/100 against active distress of 7/100.

The market reads contraction — home values fell 0.7% year on year, 1.4% off the recent peak (phase confidence 39/100). Falling values surface more motivated sellers and below-market exits.

2,964 residents call 27816 home, typically aged 52. 14.2% of residents fall below the poverty threshold. Home values center near $141,700, an affordability ratio of 3.5× — accessible. The vacancy rate is 13.2% — elevated. About 5% have a four-year degree. Rent burden reaches 60% of tenant households. 68% of housing is owner-occupied. Median household income is $31,806, below the U.S. median near $78,000. The ZIP holds roughly 1,575 housing units. The demographic-stress sub-score lands at 37/100.

On the whole, 27816 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 27816 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 27816, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 27816 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 28/100 roll-up. The point of the 27816 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.