ZIP 28712 Foreclosure, Tax-Lien & Distress Report

ZIP code 28712 in Transylvania County, North Carolina carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. The split runs 72/100 structural to 9/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (96/100), FEMA disaster exposure (88/100), climate & FEMA risk (60/100). Its standout signals are structural risk (72/100), construction/permit lag (69/100), institutional ownership (68/100). On the quiet end sit mortgage stress (30/100).

Prices here sit in a peak phase: values rose 1.9% over the trailing year, and 28% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 16.8% — elevated. Rent burden reaches 38% of tenant households. There are about 10,863 housing units across 28712. About 40% have a four-year degree. Population is roughly 19,600 with a median age of 54. At $61,560, median income runs below typical U.S. levels. Home values center near $414,300, an affordability ratio of 6.1×. DLRadar's demographic-stress index for the area reads 37/100. 69% of housing is owner-occupied. Roughly 13.9% live below the poverty line.

On the whole, 28712 leans distressed, with opportunity clustered in specific stressed parcels. 28712 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 28712's 32/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 28712, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

28712's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 28712 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.