ZIP 28645 Foreclosure, Tax-Lien & Distress Report
Caldwell County, North Carolina · Affordable market
ZIP code 28645 in Caldwell County, North Carolina carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (66/100), institutional ownership (64/100), construction/permit lag (47/100). On the quiet end sit mortgage stress (26/100). Latent structural risk is 66/100 while live distress already moving reads 8/100. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100), FEMA disaster exposure (84/100), climate & FEMA risk (68/100).
Prices here sit in a peak phase: values rose 2.3% over the trailing year, and 22% higher over three years, at 19/100 phase confidence. Topping markets hide individual distress behind strong averages.
About 17% have a four-year degree. Around 26% of renters are cost-burdened. 12.5% of residents fall below the poverty threshold. A median home runs $175,500 here, or 3.1 times local income. Median household income is $50,529, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 29/100. The tenure split is 72% owner-occupied to 28% rented. The ZIP holds roughly 21,674 housing units. The vacancy rate is 11.4% — elevated. Population is roughly 46,237 with a median age of 47.
Overall, 28645 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 28645 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
No ZIP is too small to score: 28645 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 28645 reflects the current record instead of a stale or modeled snapshot.
Behind 28645'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. For an operator, 28645 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 28645’s distress
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
Snapshot: 28645 by the numbers
Real-time distress, cycle phase, housing and bank-stress readings for 28645, the same set carried on every parcel.
Nearby ZIPs in Caldwell County
Explore related distress reports
Related ZIP, county and statewide reads linked to Caldwell County, North Carolina.
The complete 28645 distress and acquisition report
Every distressed parcel in 28645 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
No modelling: every input is a public record · methodology