ZIP 28086 Foreclosure, Tax-Lien & Distress Report

In Cleveland County, North Carolina, ZIP 28086 scores 31 of 100 for composite distress, a moderate level on DLRadar's public-record index. Environmental exposure also runs high (FEMA disaster exposure (84/100), flood (NFIP) exposure (80/100), climate & FEMA risk (74/100)). The most distinctive pressure shows up in structural risk (68/100), institutional ownership (63/100), construction/permit lag (50/100). On the quiet end sit mortgage stress (25/100). The latent-versus-live split is 68/100 structural and 7/100 already moving.

The peak-phase market in 28086 posted values that rose 1.7% over the year, and 17% higher over three years, at 17/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 8.0%. 18.5% of residents fall below the poverty threshold. Owners hold 74% of homes, renters 26%. Rent burden reaches 60% of tenant households. Home values center near $207,300, an affordability ratio of 3.2× — accessible. About 18% have a four-year degree. About 28,921 people live here, median age 42. The ZIP holds roughly 11,718 housing units. On demographic stress specifically, 28086 scores 35/100. At $56,079, median income runs below typical U.S. levels.

Overall, 28086 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 28086 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 28086 read uses the identical public-record model applied coast to coast, which means its 31/100 score means exactly what it means anywhere else, and 28086 stays directly comparable to neighboring ZIPs and the rest of Cleveland County, North Carolina. Where the public record is thin for 28086, the field stays empty rather than modeled, and fills in as new documents post.

28086's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 28086 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.