ZIP 28637 Foreclosure, Tax-Lien & Distress Report

ZIP code 28637 in Burke County, North Carolina carries a composite property-distress score of 28/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 62/100 while live distress already moving reads 8/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (97/100), FEMA disaster exposure (84/100), climate & FEMA risk (68/100). The most distinctive pressure shows up in institutional ownership (67/100), structural risk (62/100), mortgage stress (26/100). mortgage stress (26/100) and construction/permit lag (22/100) stay muted.

The peak-phase market in 28637 posted values that rose 2.3% over the year, and 71% higher over three years, at 19/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $197,900 (3.3× income, relatively affordable). The ZIP holds roughly 804 housing units. Owners hold 64% of homes, renters 36%. Vacancy runs 8.5%. 1,512 residents call 28637 home, typically aged 43. Around 20% of adults hold a bachelor's degree or higher. On demographic stress specifically, 28637 scores 28/100. Around 17% of renters are cost-burdened. Roughly 16.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Median household income is $58,190, below the U.S. median near $78,000.

Overall, 28637 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 28637 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 28637 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 28637, the field stays empty rather than modeled, and fills in as new documents post.

The 28/100 figure for 28637 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. Treat 28637 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.