ZIP 28311 Foreclosure, Tax-Lien & Distress Report

In Cumberland County, North Carolina, ZIP 28311 scores 38 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (90/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (82/100). Structural exposure scores 86 and live distress 8 on the 0–100 scale. Leading the profile 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 26% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Roughly 19.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 42% of renters are cost-burdened. 51% of housing is owner-occupied. Vacancy runs 10.2%. Households earn a median $60,033 — below the roughly $78,000 national figure. DLRadar's demographic-stress index for the area reads 33/100. Educational attainment sits at 34% bachelor's-or-above. The typical home is worth about $216,900 (3.3× income, relatively affordable). There are about 16,326 housing units across 28311. 35,927 residents call 28311 home, typically aged 32.

On balance 28311 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 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: 28311 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. The score is rebuilt from public data as it updates, so 28311 reflects the current record instead of a stale or modeled snapshot.

The 38/100 for 28311 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, 28311 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.