ZIP 28654 Foreclosure, Tax-Lien & Distress Report

In Wilkes County, North Carolina, ZIP 28654 scores 34 of 100 for composite distress, a moderate level on DLRadar's public-record index. Environmental exposure also runs high (FEMA disaster exposure (92/100), flood (NFIP) exposure (80/100), climate & FEMA risk (76/100)). Structural exposure scores 76 and live distress 8 on the 0–100 scale. The sharpest non-environmental signals are structural risk (76/100), construction/permit lag (73/100), institutional ownership (67/100). On the quiet end sit mortgage stress (27/100).

The market reads peak — home values rose 2.0% year on year, and 24% higher over three years, at 18/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Home values center near $228,700, an affordability ratio of 4.4×. 9.8% of residents fall below the poverty threshold. The vacancy rate is 28.6% — elevated. Around 42% of renters are cost-burdened. Population is roughly 3,287 with a median age of 50. The ZIP holds roughly 1,802 housing units. Households earn a median $53,486 — below the roughly $78,000 national figure. The demographic-stress sub-score lands at 35/100. Around 22% of adults hold a bachelor's degree or higher. The tenure split is 80% owner-occupied to 20% rented.

Net-net, 28654 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 28654 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 28654 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 34/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 28654 reflects the current record instead of a stale or modeled snapshot.

Behind 28654'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, 28654 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.