ZIP 28163 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 28163 (Stanly County, North Carolina) returns a moderate composite of 31/100. Environmental exposure also runs high (FEMA disaster exposure (93/100), flood (NFIP) exposure (82/100), climate & FEMA risk (61/100)). The sharpest non-environmental signals are institutional ownership (68/100), structural risk (68/100), construction/permit lag (59/100). On the quiet end sit mortgage stress (27/100). The latent-versus-live split is 68/100 structural and 8/100 already moving.

Prices here sit in a peak phase: values rose 1.9% over the trailing year, and 6% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Owners hold 82% of homes, renters 18%. Around 39% of renters are cost-burdened. About 6,158 people live here, median age 37. There are about 2,398 housing units across 28163. A median home runs $313,900 here, or 3.5 times local income. The poverty rate is 16.7% — high, a tax-stress and distress correlate. Vacancy runs 1.4%. Median household income is $75,483, near the U.S. median near $78,000. On demographic stress specifically, 28163 scores 31/100. Around 20% of adults hold a bachelor's degree or higher.

On balance 28163 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 28163 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 28163 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 28163 stays directly comparable to neighboring ZIPs and the rest of Stanly County, North Carolina. Where the public record is thin for 28163, the field stays empty rather than modeled, and fills in as new documents post.

The 31/100 for 28163 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 28163 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.