ZIP 28586 Foreclosure, Tax-Lien & Distress Report

ZIP code 28586 in Craven County, North Carolina carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (92/100), FEMA disaster exposure (84/100), flood (NFIP) exposure (76/100)). Structurally it carries 73/100, against 7/100 of stress already in motion. The sharpest non-environmental signals are structural risk (73/100), institutional ownership (62/100), construction/permit lag (55/100). On the quiet end sit mortgage stress (25/100).

The market reads peak — home values rose 2.0% year on year, and 26% higher over three years, at 17/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $46,486, below the U.S. median near $78,000. Rent burden reaches 26% of tenant households. Owners hold 75% of homes, renters 25%. About 8% have a four-year degree. Roughly 19.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 8,094 people live here, median age 37. On demographic stress specifically, 28586 scores 28/100. The ZIP holds roughly 3,676 housing units. A median home runs $112,300 here, or 2.2 times local income. The vacancy rate is 15.6% — elevated.

On the whole, 28586 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 28586 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 28586 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 28586, the field stays empty rather than modeled, and fills in as new documents post.

The 33/100 figure for 28586 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. The point of the 28586 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.