ZIP 28684 Foreclosure, Tax-Lien & Distress Report

Ashe County, North Carolina's ZIP 28684 registers 32/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — flood (NFIP) exposure (97/100), FEMA disaster exposure (84/100), climate & FEMA risk (65/100). The sharpest non-environmental signals are structural risk (73/100), construction/permit lag (68/100), institutional ownership (67/100). By contrast, mortgage stress (31/100) register low. On the structural side it scores 73/100, with 9/100 of stress already active.

Prices here sit in a peak phase: values rose 2.4% over the trailing year, and 31% higher over three years, at 20/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 1,418 housing units across 28684. A median home runs $325,300 here, or 4.5 times local income. 90% of housing is owner-occupied. Vacancy runs 42.6%, above the national norm and a classic distress-and-opportunity signal. Roughly 2.2% live below the poverty line, a low share typical of higher-equity areas. Educational attainment sits at 54% bachelor's-or-above. Median household income is $66,123, below the U.S. median near $78,000. Rent burden reaches 77% of tenant households. 1,835 residents call 28684 home, typically aged 53. The demographic-stress sub-score lands at 35/100.

Net-net, 28684 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 28684's 32/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 28684, the field stays empty rather than modeled, and fills in as new documents post.

The 32/100 for 28684 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 28684 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.