ZIP 28431 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 28431 (Columbus County, North Carolina) returns a low composite of 29/100. The split runs 62/100 structural to 8/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (88/100), climate & FEMA risk (84/100), FEMA disaster exposure (84/100). Property-level stress concentrates in institutional ownership (65/100), structural risk (62/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) and construction/permit lag (11/100) register low.

The market reads peak — home values rose 2.8% year on year, and 51% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 16.8%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 36.8% — high, a tax-stress and distress correlate. The ZIP holds roughly 3,279 housing units. Around 10% of adults hold a bachelor's degree or higher. The typical home is worth about $136,000 (2.8× income, relatively affordable). At $32,244, median income runs below typical U.S. levels. 65% of housing is owner-occupied. Around 43% of renters are cost-burdened. About 6,104 people live here, median age 50. DLRadar's demographic-stress index for the area reads 37/100.

Taken together, 28431 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 28431 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 28431 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 28431, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 28431 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. For a buyer, 28431 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.