ZIP 28312 Property Distress & Foreclosure Data

ZIP code 28312 in Cumberland County, North Carolina carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (89/100), FEMA disaster exposure (88/100), flood (NFIP) exposure (82/100). What sets it apart are the readings on institutional ownership (66/100), structural risk (65/100), mortgage stress (25/100). mortgage stress (25/100) and construction/permit lag (16/100) stay muted. Structural risk reads 65/100 against active distress of 8/100.

Prices here sit in a peak phase: values rose 3.1% over the trailing year, and 15% higher over three years, at 31/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

19,889 residents call 28312 home, typically aged 44. At $66,441, median income runs below typical U.S. levels. The typical home is worth about $218,000 (3.1× income, relatively affordable). 73% of housing is owner-occupied. There are about 8,686 housing units across 28312. Rent burden reaches 46% of tenant households. The poverty rate is 16.2%. Around 27% of adults hold a bachelor's degree or higher. Vacancy runs 9.6%. The demographic-stress sub-score lands at 31/100.

Overall, 28312 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.