ZIP 28713 Foreclosure, Tax-Lien & Distress Report

ZIP 28713's composite property-distress score is 27/100 - DLRadar classes that as low for Swain County, North Carolina. Its standout signals are institutional ownership (69/100), structural risk (61/100), construction/permit lag (50/100). mortgage stress (31/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (92/100), flood (NFIP) exposure (84/100). The latent-versus-live split is 61/100 structural and 9/100 already moving.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 5% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $56,368, below the U.S. median near $78,000. The ZIP holds roughly 5,884 housing units. Owners hold 74% of homes, renters 26%. Rent burden reaches 34% of tenant households. The vacancy rate is 36.9% — elevated. Around 25% of adults hold a bachelor's degree or higher. Roughly 16.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Population is roughly 8,441 with a median age of 47. DLRadar's demographic-stress index for the area reads 35/100. Home values center near $221,900, an affordability ratio of 4.1×.

Net-net, 28713 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 28713 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 28713's 27/100 can be lined up against any neighbor in Swain County, North Carolina or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 28713 reflects the current record instead of a stale or modeled snapshot.

Each component behind 28713 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 27/100 roll-up. Practically, 28713 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.