ZIP 28631 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 28631 (Ashe County, North Carolina) returns a low composite of 28/100. On the structural side it scores 63/100, with 0/100 of stress already active. The most distinctive pressure shows up in institutional ownership (67/100), structural risk (63/100), construction/permit lag (38/100). On the quiet end sit construction/permit lag (38/100). It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), FEMA disaster exposure (85/100).

Prices here sit in a peak phase: values rose 2.8% over the trailing year, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $28,798, below the U.S. median near $78,000. Vacancy runs 32.8%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 72% owner-occupied to 28% rented. The ZIP holds roughly 492 housing units. Roughly 49.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Educational attainment sits at 5% bachelor's-or-above. Around 0% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 38/100. About 724 people live here, median age 45.

On the whole, 28631 leans distressed, with opportunity clustered in specific stressed parcels. 28631 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 28631's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 28631 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 28631's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 28631 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.