ZIP 28435 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 28435 in Pender County, North Carolina comes in at 30, a moderate composite-distress reading. On the structural side it scores 66/100, with 8/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (87/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (79/100). Its standout signals are structural risk (66/100), institutional ownership (63/100), mortgage stress (27/100). On the quiet end sit mortgage stress (27/100) and construction/permit lag (27/100).

Prices here sit in a peak phase: values rose 3.5% over the trailing year (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

86% of housing is owner-occupied. The poverty rate is 12.4%. Vacancy runs 15.8%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 34/100. Home values center near $162,400, an affordability ratio of 3.8× — accessible. Rent burden reaches 49% of tenant households. About 2,012 people live here, median age 41. The ZIP holds roughly 865 housing units. Median household income is $41,200, below the U.S. median near $78,000. About 14% have a four-year degree.

Net-net, 28435 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 28435 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 28435 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. 28435 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 30/100 figure for 28435 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. Treat 28435 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.