ZIP 28586 Foreclosure, Tax-Lien & Distress Report

ZIP code 28586 in Craven County, North Carolina carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. Environmental exposure also runs high (climate & FEMA risk (92/100), FEMA disaster exposure (78/100), flood (NFIP) exposure (75/100)). Structurally it carries 71/100, against 7/100 of stress already in motion. The sharpest non-environmental signals are structural risk (71/100), institutional ownership (58/100), construction/permit lag (52/100). 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 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 32/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 28586, the field stays empty rather than modeled, and fills in as new documents post.

The 32/100 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.