ZIP 28304 Foreclosure, Tax-Lien & Distress Report

ZIP 28304's composite property-distress score is 38/100 - DLRadar classes that as moderate for Cumberland County, North Carolina. Its standout signals are construction/permit lag (100/100), structural risk (85/100), institutional ownership (64/100). On the quiet end sit mortgage stress (25/100). Structurally it carries 85/100, against 7/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (89/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (81/100).

The market reads peak — home values rose 2.3% year on year, and 22% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $57,867, below the U.S. median near $78,000. Around 25% of adults hold a bachelor's degree or higher. On demographic stress specifically, 28304 scores 32/100. Rent burden reaches 43% of tenant households. Home values center near $172,000, an affordability ratio of 2.7× — accessible. The tenure split is 54% owner-occupied to 46% rented. The ZIP holds roughly 16,746 housing units. The vacancy rate is 10.3%. The poverty rate is 16.8% — high, a tax-stress and distress correlate. Population is roughly 36,634 with a median age of 35.

Overall, 28304 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 28304 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 28304 runs hot or quiet, its 38/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28304 can be compared directly against any other ZIP in Cumberland County, North Carolina or nationwide. Where the public record is thin for 28304, the field stays empty rather than modeled, and fills in as new documents post.

28304's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 28304 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.