ZIP 28640 Foreclosure, Tax-Lien & Distress Report
Ashe County, North Carolina · High Vacancy market
Ashe County, North Carolina's ZIP 28640 registers 29/100 composite distress, which DLRadar reads as low. Structurally it carries 64/100, against 9/100 of stress already in motion. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (84/100), climate & FEMA risk (62/100). Property-level stress concentrates in institutional ownership (67/100), structural risk (64/100), construction/permit lag (39/100). On the quiet end sit construction/permit lag (39/100) and mortgage stress (30/100).
The market reads peak — home values rose 2.8% year on year, and 27% higher over three years (phase confidence 22/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
About 4,818 people live here, median age 53. The poverty rate is 16.5% — high, a tax-stress and distress correlate. The ZIP holds roughly 2,875 housing units. Median household income is $50,946, below the U.S. median near $78,000. The vacancy rate is 26.6% — elevated. The demographic-stress sub-score lands at 36/100. 69% of housing is owner-occupied. Around 23% of renters are cost-burdened. The typical home is worth about $282,900 (5.0× income). Around 18% of adults hold a bachelor's degree or higher.
Taken together, 28640 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 28640 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Because one deterministic model scores every ZIP, 28640's 29/100 can be lined up against any neighbor in Ashe County, North Carolina or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 28640 reflects the current record instead of a stale or modeled snapshot.
Behind 28640'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. Treat 28640 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 28640
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 28640 distress snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 28640, the same set carried on every parcel.
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Open the complete 28640 acquisition file
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Deterministic. Every signal traces to a public dataset · methodology