ZIP 28697 Foreclosure, Tax-Lien & Distress Report

ZIP code 28697 in Wilkes County, North Carolina carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. Latent structural risk is 78/100 while live distress already moving reads 8/100. The pressure is most legible in structural risk (78/100), construction/permit lag (74/100), institutional ownership (69/100). On the quiet end sit mortgage stress (27/100). It additionally carries heavy environmental risk: FEMA disaster exposure (93/100), flood (NFIP) exposure (87/100), climate & FEMA risk (79/100).

Prices here sit in a peak phase: values rose 1.9% over the trailing year, and 31% higher over three years, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 13,412 with a median age of 43. Owners hold 68% of homes, renters 32%. The ZIP holds roughly 6,158 housing units. Roughly 15.1% live below the poverty line. Rent burden reaches 45% of tenant households. Vacancy runs 10.1%. The demographic-stress sub-score lands at 32/100. About 24% have a four-year degree. Home values center near $218,500, an affordability ratio of 3.5× — accessible. Median household income is $55,217, below the U.S. median near $78,000.

On balance 28697 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 28697 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 28697 read uses the identical public-record model applied coast to coast, which means its 35/100 score means exactly what it means anywhere else, and 28697 stays directly comparable to neighboring ZIPs and the rest of Wilkes County, North Carolina. Sparse data for 28697 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 28697 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 35/100 roll-up. The point of the 28697 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.