ZIP 28746 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 28746 (Rutherford County, North Carolina) lands at 31/100 — moderate on DLRadar's public-record scoring. The most distinctive pressure shows up in structural risk (70/100), institutional ownership (67/100), construction/permit lag (54/100). mortgage stress (28/100) stay muted. Structurally it carries 70/100, against 8/100 of stress already in motion. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), FEMA disaster exposure (84/100), climate & FEMA risk (69/100).

Prices here sit in a peak phase: values rose 1.9% over the trailing year, and 12% higher over three years (phase confidence 18/100). Topping markets hide individual distress behind strong averages.

Median household income is $65,703, below the U.S. median near $78,000. 87% of housing is owner-occupied. On demographic stress specifically, 28746 scores 43/100. The vacancy rate is 58.7% — elevated. Roughly 14.3% live below the poverty line. The ZIP holds roughly 3,338 housing units. Rent burden reaches 51% of tenant households. 2,734 residents call 28746 home, typically aged 61. About 46% have a four-year degree. A median home runs $470,700 here, or 6.6 times local income.

Net-net, 28746 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 28746 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 28746 runs through one identical public-record model, so its 31/100 sits on the same scale as every other ZIP in Rutherford County, North Carolina and the nation. Where the public record is thin for 28746, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 28746 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 31/100 roll-up. In workflow terms, 28746 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.