ZIP 28454 Foreclosure, Tax-Lien & Distress Report

In Onslow County, North Carolina, ZIP 28454 scores 30 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), FEMA disaster exposure (89/100), flood (NFIP) exposure (75/100). The latent-versus-live split is 65/100 structural and 8/100 already moving. Leading the profile are institutional ownership (65/100), structural risk (65/100), mortgage stress (26/100). By contrast, mortgage stress (26/100) and construction/permit lag (16/100) register low.

The market reads peak — home values rose 3.5% year on year (phase confidence 32/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The demographic-stress sub-score lands at 31/100. Vacancy runs 8.3%. Roughly 8.7% live below the poverty line. Educational attainment sits at 26% bachelor's-or-above. There are about 1,438 housing units across 28454. 2,851 residents call 28454 home, typically aged 33. Around 75% of renters are cost-burdened. Home values center near $209,400, an affordability ratio of 2.8× — accessible. Households earn a median $68,889 — near the roughly $78,000 national figure. 87% of housing is owner-occupied.

Net-net, 28454 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 28454 at the moment; the composite and its components are still built from verifiable public records.

The number is not local guesswork: 28454's 30/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 28454 reflects the current record instead of a stale or modeled snapshot.

The 30/100 for 28454 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 28454 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.