ZIP 28204 Foreclosure, Tax-Lien & Distress Report

ZIP code 28204 in Mecklenburg County, North Carolina carries a composite property-distress score of 41/100 — 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 (93/100). What sets it apart are the readings on construction/permit lag (100/100), structural risk (92/100), institutional ownership (71/100). On the quiet end sit mortgage stress (27/100). The latent-versus-live split is 92/100 structural and 8/100 already moving.

The market reads peak — home values rose 1.0% year on year, and 16% higher over three years (phase confidence 16/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 9.1%. A median home runs $585,200 here, or 6.5 times local income. Owners hold 26% of homes, renters 74%. Around 28% of renters are cost-burdened. On demographic stress specifically, 28204 scores 36/100. Around 76% of adults hold a bachelor's degree or higher. There are about 6,288 housing units across 28204. Households earn a median $89,207 — above the roughly $78,000 national figure. About 9,744 people live here, median age 31. Roughly 8.9% live below the poverty line.

Overall, 28204 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 28204 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Big metro or rural, 28204 runs through one identical public-record model, so its 41/100 sits on the same scale as every other ZIP in Mecklenburg County, North Carolina and the nation. Where the public record is thin for 28204, the field stays empty rather than modeled, and fills in as new documents post.

The 41/100 figure for 28204 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. Practically, 28204 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.