ZIP 28638 Foreclosure, Tax-Lien & Distress Report
Caldwell County, North Carolina · Distress market
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 (66/100), institutional ownership (64/100), construction/permit lag (47/100). By contrast, mortgage stress (25/100) register low. Environmental exposure also runs high (flood (NFIP) exposure (84/100), FEMA disaster exposure (84/100), climate & FEMA risk (68/100)). On the structural side it scores 66/100, 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 public-record 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.
Distress signal breakdown — ZIP 28638
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
The 28638 distress snapshot
Current distress, phase, housing and lender-pressure figures for 28638, drawn from the same report attached to each property.
Other Caldwell County ZIP codes
Related reports across Caldwell County, North Carolina
Other reports tied to Caldwell County, North Carolina — ZIP, county and statewide.
Unlock parcel-level detail for ZIP 28638
The full 28638 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
No modelling: every input is a public record · methodology