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 distress index. Climate and flood risk are elevated too — climate & FEMA risk (97/100), flood (NFIP) exposure (97/100), FEMA disaster exposure (88/100). Structural exposure scores 91 and live distress 8 on the 0–100 scale. What sets it apart are the readings on construction/permit lag (100/100), structural risk (91/100), institutional ownership (69/100). 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 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 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.