ZIP 28694 Property Distress & Foreclosure Data

Composite property distress in 28694 (Ashe County, North Carolina) lands at 31/100 — moderate on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (88/100), climate & FEMA risk (62/100). The latent-versus-live split is 69/100 structural and 9/100 already moving. The sharpest non-environmental signals are structural risk (69/100), institutional ownership (68/100), construction/permit lag (53/100). By contrast, mortgage stress (30/100) register low.

The market reads expansion — home values rose 5.5% year on year, and 38% higher over three years (phase confidence 30/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 27% of renters are cost-burdened. 11.3% of residents fall below the poverty threshold. Median household income is $48,135, below the U.S. median near $78,000. Educational attainment sits at 21% bachelor's-or-above. Owners hold 79% of homes, renters 21%. The vacancy rate is 27.2% — elevated. DLRadar's demographic-stress index for the area reads 34/100. About 7,369 people live here, median age 49. The ZIP holds roughly 4,847 housing units. Home values center near $273,200, an affordability ratio of 5.0×.

Net-net, 28694 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.