ZIP 28305 Foreclosure, Tax-Lien & Distress Report

Cumberland County, North Carolina's ZIP 28305 registers 38/100 composite distress, which DLRadar reads as moderate. Environmental exposure also runs high (climate & FEMA risk (90/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (82/100)). What sets it apart are the readings on construction/permit lag (100/100), structural risk (86/100), institutional ownership (64/100). On the quiet end sit mortgage stress (25/100). The split runs 86/100 structural to 8/100 active on the ground.

The peak-phase market in 28305 posted values that rose 2.3% over the year, and 21% higher over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 13.5% — elevated. A median home runs $260,900 here, or 3.4 times local income. The demographic-stress sub-score lands at 30/100. Educational attainment sits at 50% bachelor's-or-above. Population is roughly 5,993 with a median age of 43. There are about 3,456 housing units across 28305. 57% of housing is owner-occupied. 16.1% of residents fall below the poverty threshold. Households earn a median $70,612 — near the roughly $78,000 national figure. Around 41% of renters are cost-burdened.

Net-net, 28305 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 28305 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. Every figure is auditable to a public dataset and refreshed on ingest; 28305 shows blanks, not estimates, wherever the record is sparse.

28305's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 28305 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.