ZIP 28644 Foreclosure, Tax-Lien & Distress Report

ZIP 28644's composite property-distress score is 26/100 - DLRadar classes that as low for Alleghany County, North Carolina. Structurally it carries 58/100, against 9/100 of stress already in motion. Climate and flood risk are elevated too — flood (NFIP) exposure (89/100), FEMA disaster exposure (89/100). The pressure is most legible in institutional ownership (68/100), structural risk (58/100), construction/permit lag (37/100). construction/permit lag (37/100) and mortgage stress (30/100) stay muted.

The market reads peak — home values rose 2.8% year on year, and 18% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 45.3% — elevated. A median home runs $222,400 here, or 7.4 times local income. The poverty rate is 25.0% — high, a tax-stress and distress correlate. DLRadar's demographic-stress index for the area reads 56/100. Owners hold 66% of homes, renters 34%. Educational attainment sits at 28% bachelor's-or-above. Population is roughly 1,123 with a median age of 53. Households earn a median $33,897 — below the roughly $78,000 national figure. The ZIP holds roughly 1,208 housing units. Rent burden reaches 89% of tenant households.

Taken together, 28644 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 28644 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 28644 read uses the identical public-record model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 28644 stays directly comparable to neighboring ZIPs and the rest of Alleghany County, North Carolina. 28644 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 26/100 for 28644 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 28644 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.