ZIP 28704 Property Distress & Foreclosure Data

ZIP code 28704 in Buncombe County, North Carolina carries a composite property-distress score of 39/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (flood (NFIP) exposure (99/100), climate & FEMA risk (89/100), FEMA disaster exposure (88/100)). On the structural side it scores 87/100, with 9/100 of stress already active. What sets it apart are the readings on construction/permit lag (92/100), structural risk (87/100), institutional ownership (69/100). On the quiet end sit mortgage stress (29/100).

The contraction-phase market in 28704 posted values that fell 0.9% over the year, and 12% higher over three years (phase confidence 49/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. Around 32% of renters are cost-burdened. On demographic stress specifically, 28704 scores 32/100. About 41% have a four-year degree. The tenure split is 60% owner-occupied to 40% rented. Population is roughly 23,516 with a median age of 40. The vacancy rate is 25.0% — elevated. A median home runs $390,000 here, or 4.3 times local income. Households earn a median $79,088 — near the roughly $78,000 national figure. The ZIP holds roughly 11,931 housing units.

On the whole, 28704 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.