ZIP 28301 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 28301 (Cumberland County, North Carolina) returns a moderate composite of 38/100. Latent structural risk is 86/100 while live distress already moving reads 8/100. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (82/100). The sharpest non-environmental signals are construction/permit lag (100/100), structural risk (86/100), institutional ownership (64/100). By contrast, mortgage stress (25/100) register low.

Prices here sit in a peak phase: values rose 2.3% over the trailing year, and 58% higher over three years, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 8,532 housing units across 28301. The typical home is worth about $122,400 (3.0× income, relatively affordable). Vacancy runs 16.4%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 27.8% — high, a tax-stress and distress correlate. Population is roughly 16,221 with a median age of 36. Rent burden reaches 46% of tenant households. DLRadar's demographic-stress index for the area reads 38/100. Around 17% of adults hold a bachelor's degree or higher. Owners hold 36% of homes, renters 64%. Median household income is $36,955, below the U.S. median near $78,000.

Net-net, 28301 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 28301 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 28301 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 38/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 28301, the field stays empty rather than modeled, and fills in as new documents post.

The 38/100 for 28301 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 28301 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.