ZIP 28138 Foreclosure, Tax-Lien & Distress Report

In Rowan County, North Carolina, ZIP 28138 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 55/100, against 6/100 of stress already in motion. The sharpest non-environmental signals are structural risk (55/100), institutional ownership (54/100), construction/permit lag (26/100). On the quiet end sit construction/permit lag (26/100) and mortgage stress (21/100). Environmental exposure also runs high (FEMA disaster exposure (93/100), climate & FEMA risk (84/100)).

Prices here sit in a peak phase: values rose 1.0% over the trailing year, and 22% higher over three years, at 16/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

A median home runs $216,100 here, or 3.2 times local income. 11.0% of residents fall below the poverty threshold. The ZIP holds roughly 4,342 housing units. Owners hold 69% of homes, renters 31%. About 20% have a four-year degree. On demographic stress specifically, 28138 scores 29/100. The vacancy rate is 4.8%. Median household income is $64,032, below the U.S. median near $78,000. About 9,795 people live here, median age 42. Rent burden reaches 36% of tenant households.

Net-net, 28138 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 28138 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 28138 runs through one identical public-record model, so its 26/100 sits on the same scale as every other ZIP in Rowan County, North Carolina and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 28138 shows blanks, not estimates, wherever the record is sparse.

Each component behind 28138 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. For a buyer, 28138 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.