ZIP 28615 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 28615 (Ashe County, North Carolina) lands at 29/100 — low on DLRadar's public-record scoring. The split runs 64/100 structural to 9/100 active on the ground. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), FEMA disaster exposure (84/100), climate & FEMA risk (62/100). Its standout signals are institutional ownership (67/100), structural risk (64/100), construction/permit lag (39/100). On the quiet end sit construction/permit lag (39/100) and mortgage stress (30/100).

The peak-phase market in 28615 posted values that rose 2.8% over the year, and 18% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 1,184 housing units across 28615. 69% of housing is owner-occupied. Home values center near $152,600, an affordability ratio of 3.3× — accessible. The vacancy rate is 24.6% — elevated. 19.9% of residents fall below the poverty threshold. About 16% have a four-year degree. Households earn a median $46,888 — below the roughly $78,000 national figure. Rent burden reaches 27% of tenant households. About 1,983 people live here, median age 51. On demographic stress specifically, 28615 scores 32/100.

On the whole, 28615 leans distressed, with opportunity clustered in specific stressed parcels. 28615 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 28615 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. 28615 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 29/100 figure for 28615 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 28615 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.