ZIP 28204 Property Distress & Foreclosure Data

ZIP code 28204 in Mecklenburg County, North Carolina carries a composite property-distress score of 40/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (96/100), FEMA disaster exposure (94/100). What sets it apart are the readings on structural risk (89/100), construction/permit lag (87/100), institutional ownership (72/100). mortgage stress (27/100) stay muted. Structural exposure scores 89 and live distress 8 on the 0–100 scale.

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 16% higher over three years, at 21/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 9.1%. The typical home is worth about $585,200 (6.5× income). 26% of housing is owner-occupied. Rent burden reaches 28% of tenant households. The demographic-stress sub-score lands at 36/100. Around 76% of adults hold a bachelor's degree or higher. There are about 6,288 housing units across 28204. At $89,207, median income runs above typical U.S. levels. 9,744 residents call 28204 home, typically aged 31. The poverty rate is 8.9%.

Overall, 28204 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.