ZIP 28020 Foreclosure, Tax-Lien & Distress Report
Cleveland County, North Carolina · High Vacancy market
ZIP 28020's composite property-distress score is 30/100 - DLRadar classes that as moderate for Cleveland County, North Carolina. Latent structural risk is 66/100 while live distress already moving reads 8/100. Environmental exposure also runs high (flood (NFIP) exposure (82/100), FEMA disaster exposure (78/100), climate & FEMA risk (70/100)). What sets it apart are the readings on structural risk (66/100), institutional ownership (60/100), construction/permit lag (52/100). mortgage stress (25/100) stay muted.
The market reads peak — home values rose 1.9% year on year, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
There are about 1,015 housing units across 28020. The vacancy rate is 23.5% — elevated. A median home runs $188,700 here, or 2.9 times local income. 86% of housing is owner-occupied. The demographic-stress sub-score lands at 25/100. Around 7% of renters are cost-burdened. 10.8% of residents fall below the poverty threshold. Households earn a median $61,750 — below the roughly $78,000 national figure. Population is roughly 2,344 with a median age of 34. Educational attainment sits at 18% bachelor's-or-above.
Net-net, 28020 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 28020 at the moment; the composite and its components are still built from verifiable records.
Whether 28020 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28020 can be compared directly against any other ZIP in Cleveland County, North Carolina or nationwide. Where the record is thin for 28020, the field stays empty rather than modeled, and fills in as new documents post.
The 30/100 for 28020 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 28020 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 28020
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 28020 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 28020, the same set carried on every parcel.
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Rules-based scoring — each signal ties to a public dataset · methodology