ZIP 28103 Foreclosure, Tax-Lien & Distress Report

In Union County, North Carolina, ZIP 28103 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (93/100), climate & FEMA risk (89/100), flood (NFIP) exposure (68/100). Its standout signals are structural risk (70/100), institutional ownership (65/100), construction/permit lag (44/100). By contrast, mortgage stress (24/100) register low. On the structural side it scores 70/100, with 7/100 of stress already active.

Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 21% higher over three years, at 16/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $248,200 here, or 3.1 times local income. Owners hold 79% of homes, renters 21%. About 11,058 people live here, median age 42. Vacancy runs 10.8%. Around 18% of renters are cost-burdened. The demographic-stress sub-score lands at 25/100. 7.3% of residents fall below the poverty threshold. Around 21% of adults hold a bachelor's degree or higher. There are about 4,475 housing units across 28103. At $75,000, median income runs near typical U.S. levels.

On balance 28103 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 28103 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 28103 runs hot or quiet, its 32/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28103 can be compared directly against any other ZIP in Union County, North Carolina or nationwide. 28103 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 28103's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 28103 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.