ZIP 28312 Foreclosure, Tax-Lien & Distress Report
Cumberland County, North Carolina · Distress market
DLRadar grades ZIP 28312 (Cumberland County, North Carolina) at a moderate 37/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (89/100), flood (NFIP) exposure (81/100), FEMA disaster exposure (77/100). Property-level stress concentrates in construction/permit lag (100/100), structural risk (83/100), institutional ownership (59/100). mortgage stress (25/100) stay muted. Structural risk reads 83/100 against active distress of 8/100.
The peak-phase market in 28312 posted values that rose 2.4% over the year, and 15% higher over three years, at 23/100 phase confidence. Topping markets hide individual distress behind strong averages.
About 19,889 people live here, median age 44. Median household income is $66,441, below the U.S. median near $78,000. A median home runs $218,000 here, or 3.1 times local income. The tenure split is 73% owner-occupied to 27% rented. There are about 8,686 housing units across 28312. Around 46% of renters are cost-burdened. 16.2% of residents fall below the poverty threshold. Around 27% of adults hold a bachelor's degree or higher. The vacancy rate is 9.6%. On demographic stress specifically, 28312 scores 31/100.
On balance 28312 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 28312 at the moment; the composite and its components are still built from verifiable records.
Because one deterministic model scores every ZIP, 28312's 37/100 can be lined up against any neighbor in Cumberland County, North Carolina or any ZIP coast to coast. 28312 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Behind 28312's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 28312 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.
What is driving ZIP 28312’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 28312 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Nearby ZIPs in Cumberland County
Nearest ZIP codes to 28312
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring North Carolina distress
Further distress data across Cumberland County, North Carolina at ZIP, county and state level.
Unlock parcel-level detail for ZIP 28312
Every distressed parcel in 28312 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to owner and lender records, refreshed continuously nationwide.
Rules-based scoring — each signal ties to a public dataset · methodology