ZIP 28129 Foreclosure, Tax-Lien & Distress Report

In Stanly County, North Carolina, ZIP 28129 scores 31 of 100 for composite distress, a moderate level on DLRadar's public-record index. Environmental exposure also runs high (FEMA disaster exposure (93/100), flood (NFIP) exposure (82/100), climate & FEMA risk (61/100)). Leading the profile are institutional ownership (68/100), structural risk (68/100), construction/permit lag (59/100). mortgage stress (27/100) stay muted. Structurally it carries 68/100, against 8/100 of stress already in motion.

The market reads peak — home values rose 1.9% year on year, and 13% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 5,556 with a median age of 44. The typical home is worth about $266,800 (3.3× income, relatively affordable). Rent burden reaches 16% of tenant households. Owners hold 87% of homes, renters 13%. Educational attainment sits at 21% bachelor's-or-above. On demographic stress specifically, 28129 scores 24/100. The vacancy rate is 7.1%. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 2,652 housing units. Median household income is $73,712, near the U.S. median near $78,000.

Overall, 28129 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 28129 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 28129 stays directly comparable to neighboring ZIPs and the rest of Stanly County, North Carolina. Where the public record is thin for 28129, the field stays empty rather than modeled, and fills in as new documents post.

The 31/100 figure for 28129 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 28129 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.