ZIP 28306 Foreclosure, Tax-Lien & Distress Report

Cumberland County, North Carolina's ZIP 28306 registers 38/100 composite distress, which DLRadar reads as moderate. Its heaviest discrete signals: construction/permit lag (100/100), structural risk (85/100), institutional ownership (64/100). On the quiet end sit mortgage stress (25/100). The split runs 85/100 structural to 8/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (89/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (81/100).

The peak-phase market in 28306 posted values that rose 2.3% over the year, and 19% higher over three years (phase confidence 23/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 34/100. Roughly 16.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 8.6%. Around 49% of renters are cost-burdened. Home values center near $232,500, an affordability ratio of 3.5× — accessible. About 28% have a four-year degree. Households earn a median $63,175 — below the roughly $78,000 national figure. 44,098 residents call 28306 home, typically aged 34. The ZIP holds roughly 17,429 housing units. Owners hold 63% of homes, renters 37%.

Net-net, 28306 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 28306 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 28306 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 28306, the field stays empty rather than modeled, and fills in as new documents post.

The 38/100 figure for 28306 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 28306 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.