ZIP 28685 Foreclosure, Tax-Lien & Distress Report
Wilkes County, North Carolina · High Poverty market
On DLRadar's 0-100 distress scale, ZIP 28685 in Wilkes County, North Carolina comes in at 35, a moderate composite-distress reading. Environmental exposure also runs high (FEMA disaster exposure (95/100), flood (NFIP) exposure (86/100), climate & FEMA risk (79/100)). Latent structural risk is 77/100 while live distress already moving reads 8/100. The pressure is most legible in structural risk (77/100), construction/permit lag (71/100), institutional ownership (67/100). On the quiet end sit mortgage stress (27/100).
The market reads peak — home values rose 1.9% year on year (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Roughly 26.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 8.7%. Households earn a median $45,029 — below the roughly $78,000 national figure. The ZIP holds roughly 873 housing units. 2,345 residents call 28685 home, typically aged 43. On demographic stress specifically, 28685 scores 37/100. Rent burden reaches 66% of tenant households. A median home runs $123,200 here, or 3.0 times local income. Educational attainment sits at 4% bachelor's-or-above. The tenure split is 83% owner-occupied to 17% rented.
On the whole, 28685 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 28685 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Because one deterministic model scores every ZIP, 28685's 35/100 can be lined up against any neighbor in Wilkes County, North Carolina or any ZIP coast to coast. 28685 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 28685 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 35/100 roll-up. In workflow terms, 28685 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 28685
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
28685 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 28685, the same set carried on every parcel.
Nearby ZIPs in Wilkes County
Nearest ZIP codes to 28685
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
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Unlock parcel-level detail for ZIP 28685
Open 28685 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Deterministic. Every signal traces to a public dataset · methodology