ZIP 28207 Foreclosure, Tax-Lien & Distress Report

ZIP code 28207 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). Structural exposure scores 92 and live distress 8 on the 0–100 scale. 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 market reads peak — home values rose 1.0% year on year, and 28% higher over three years, at 16/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $212,348, median income runs above typical U.S. levels. Roughly 2.6% live below the poverty line, a low share typical of higher-equity areas. Around 28% of renters are cost-burdened. The tenure split is 83% owner-occupied to 17% rented. Educational attainment sits at 86% bachelor's-or-above. Vacancy runs 8.7%. The demographic-stress sub-score lands at 28/100. Population is roughly 9,709 with a median age of 46. There are about 4,527 housing units across 28207. A median home runs $1,409,300 here, or 6.3 times local income.

On balance 28207 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 28207 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 28207 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 41/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 28207, the field stays empty rather than modeled, and fills in as new documents post.

The 41/100 figure for 28207 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. The point of the 28207 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.