ZIP 28618 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 28618 (Watauga County, North Carolina) returns a moderate composite of 34/100. Its heaviest discrete signals: construction/permit lag (80/100), structural risk (78/100), institutional ownership (67/100). By contrast, mortgage stress (31/100) register low. The latent-versus-live split is 78/100 structural and 9/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (85/100), climate & FEMA risk (71/100).

The market reads peak — home values rose 1.9% year on year, and 55% higher over three years, at 18/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $338,400 (4.9× income). Vacancy runs 34.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 52% of tenant households. About 2,240 people live here, median age 43. At $62,667, median income runs below typical U.S. levels. About 33% have a four-year degree. The demographic-stress sub-score lands at 37/100. 75% of housing is owner-occupied. Roughly 6.6% live below the poverty line, a low share typical of higher-equity areas. There are about 1,320 housing units across 28618.

On the whole, 28618 leans distressed, with opportunity clustered in specific stressed parcels. 28618 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 28618 runs hot or quiet, its 34/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28618 can be compared directly against any other ZIP in Watauga County, North Carolina or nationwide. Where the public record is thin for 28618, the field stays empty rather than modeled, and fills in as new documents post.

The 34/100 figure for 28618 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. In workflow terms, 28618 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.