ZIP 28714 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 28714 (Yancey County, North Carolina) at a low 24/100 for overall property distress. The latent-versus-live split is 53/100 structural and 9/100 already moving. Climate and flood risk are elevated too — flood (NFIP) exposure (97/100), FEMA disaster exposure (84/100). The most distinctive pressure shows up in institutional ownership (67/100), structural risk (53/100), mortgage stress (30/100). By contrast, mortgage stress (30/100) and construction/permit lag (25/100) register low.

The market reads peak — home values rose 2.8% year on year, and 30% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

The tenure split is 77% owner-occupied to 23% rented. The typical home is worth about $236,600 (3.8× income, relatively affordable). DLRadar's demographic-stress index for the area reads 31/100. Households earn a median $56,551 — below the roughly $78,000 national figure. Vacancy runs 26.3%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 14.3%. There are about 9,554 housing units across 28714. Rent burden reaches 27% of tenant households. 16,621 residents call 28714 home, typically aged 47. Educational attainment sits at 24% bachelor's-or-above.

Taken together, 28714 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 28714's 24/100 can be lined up against any neighbor in Yancey County, North Carolina or any ZIP coast to coast. Where the public record is thin for 28714, the field stays empty rather than modeled, and fills in as new documents post.

28714's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 28714 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.