ZIP 28638 Foreclosure, Tax-Lien & Distress Report

ZIP 28638's composite property-distress score is 30/100 - DLRadar classes that as moderate for Caldwell County, North Carolina. Leading the profile are structural risk (67/100), institutional ownership (66/100), construction/permit lag (48/100). By contrast, mortgage stress (25/100) register low. Environmental exposure also runs high (FEMA disaster exposure (87/100), flood (NFIP) exposure (83/100), climate & FEMA risk (68/100)). On the structural side it scores 67/100, with 8/100 of stress already active.

The market reads peak — home values rose 2.3% year on year, and 15% higher over three years (phase confidence 19/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Rent burden reaches 40% of tenant households. DLRadar's demographic-stress index for the area reads 30/100. The ZIP holds roughly 5,119 housing units. Vacancy runs 8.4%. Roughly 17.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 75% of housing is owner-occupied. About 20% have a four-year degree. The typical home is worth about $207,500 (3.0× income, relatively affordable). Median household income is $58,914, below the U.S. median near $78,000. 11,629 residents call 28638 home, typically aged 39.

Overall, 28638 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 28638 runs through one identical scoring model, so its 30/100 sits on the same scale as every other ZIP in Caldwell County, North Carolina and the nation. The score is rebuilt from public data as it updates, so 28638 reflects the current record instead of a stale or modeled snapshot.

28638's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 28638 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.