ZIP 28478 Foreclosure, Tax-Lien & Distress Report

Pender County, North Carolina's ZIP 28478 registers 30/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100), climate & FEMA risk (87/100), flood (NFIP) exposure (76/100). Structural exposure scores 66 and live distress 8 on the 0–100 scale. The pressure is most legible in structural risk (66/100), institutional ownership (59/100), construction/permit lag (32/100). On the quiet end sit construction/permit lag (32/100) and mortgage stress (27/100).

The peak-phase market in 28478 posted values that rose 3.4% over the year, and 20% higher over three years, at 23/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 2,327 housing units. About 14% have a four-year degree. Median household income is $64,830, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 27/100. The vacancy rate is 11.8% — elevated. A median home runs $178,900 here, or 2.6 times local income. 15.0% of residents fall below the poverty threshold. 88% of housing is owner-occupied. Around 31% of renters are cost-burdened. About 4,591 people live here, median age 48.

Overall, 28478 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 28478 at the moment; the composite and its components are still built from verifiable records.

Whether 28478 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28478 can be compared directly against any other ZIP in Pender County, North Carolina or nationwide. Sparse data for 28478 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 30/100 for 28478 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 28478 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.