ZIP 28731 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 28731 (Henderson County, North Carolina) at a moderate 30/100 for overall property distress. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100), FEMA disaster exposure (85/100), climate & FEMA risk (72/100). On the structural side it scores 66/100, with 8/100 of stress already active. Property-level stress concentrates in institutional ownership (68/100), structural risk (66/100), construction/permit lag (31/100). By contrast, construction/permit lag (31/100) and mortgage stress (27/100) register low.

The peak-phase market in 28731 posted values that rose 1.2% over the year, and 17% higher over three years, at 19/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $65,882 — below the roughly $78,000 national figure. 16.7% of residents fall below the poverty threshold. Rent burden reaches 42% of tenant households. Around 37% of adults hold a bachelor's degree or higher. The vacancy rate is 13.5% — elevated. A median home runs $402,300 here, or 5.5 times local income. DLRadar's demographic-stress index for the area reads 36/100. There are about 4,495 housing units across 28731. Owners hold 82% of homes, renters 18%. Population is roughly 9,075 with a median age of 53.

Taken together, 28731 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 28731 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 28731 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28731 can be compared directly against any other ZIP in Henderson County, North Carolina or nationwide. 28731 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 28731's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 28731 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.