ZIP 28109 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 28109 (Stanly County, North Carolina) at a moderate 30/100 for overall property distress. Latent structural risk is 67/100 while live distress already moving reads 8/100. Leading the profile are structural risk (67/100), institutional ownership (66/100), construction/permit lag (57/100). By contrast, mortgage stress (27/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (82/100), climate & FEMA risk (61/100).

The peak-phase market in 28109 posted values that rose 1.9% over the year (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 6.7%. Home values center near $186,900, an affordability ratio of 6.5×. Roughly 8.8% live below the poverty line. 86% of housing is owner-occupied. About 5% have a four-year degree. The ZIP holds roughly 185 housing units. Population is roughly 620 with a median age of 21. Rent burden reaches 38% of tenant households. Median household income is $28,771, below the U.S. median near $78,000. On demographic stress specifically, 28109 scores 38/100.

Net-net, 28109 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 28109 is not published yet -- the ZIP-level readings above remain fully sourced.

Because one deterministic model scores every ZIP, 28109's 30/100 can be lined up against any neighbor in Stanly County, North Carolina or any ZIP coast to coast. Sparse data for 28109 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 28109 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. For an operator, 28109 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.