ZIP 28078 Foreclosure, Tax-Lien & Distress Report

Mecklenburg County, North Carolina's ZIP 28078 registers 41/100 composite distress, which DLRadar reads as moderate. The most distinctive pressure shows up in construction/permit lag (100/100), structural risk (92/100), institutional ownership (71/100). On the quiet end sit mortgage stress (27/100). On the structural side it scores 92/100, with 8/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (93/100).

The market reads peak — home values rose 1.0% year on year, and 17% higher over three years (phase confidence 16/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 4.5%. On demographic stress specifically, 28078 scores 26/100. Roughly 3.7% live below the poverty line, a low share typical of higher-equity areas. Around 36% of renters are cost-burdened. Households earn a median $120,503 — above the roughly $78,000 national figure. There are about 28,874 housing units across 28078. The tenure split is 72% owner-occupied to 28% rented. Population is roughly 69,907 with a median age of 40. About 56% have a four-year degree. The typical home is worth about $473,900 (3.7× income, relatively affordable).

Overall, 28078 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.

The number is not local guesswork: 28078's 41/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 28078 shows blanks, not estimates, wherever the record is sparse.

Each component behind 28078 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 41/100 roll-up. For an operator, 28078 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.