ZIP 28766 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 28766 (Transylvania County, North Carolina) returns a moderate composite of 31/100. Climate and flood risk are elevated too — flood (NFIP) exposure (96/100), FEMA disaster exposure (90/100), climate & FEMA risk (63/100). The split runs 70/100 structural to 9/100 active on the ground. Property-level stress concentrates in institutional ownership (70/100), structural risk (70/100), construction/permit lag (54/100). mortgage stress (29/100) stay muted.

Prices here sit in a peak phase: values rose 1.8% over the trailing year, and 23% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $59,844, below the U.S. median near $78,000. The demographic-stress sub-score lands at 40/100. 15.9% of residents fall below the poverty threshold. Home values center near $307,000, an affordability ratio of 4.9×. About 21% have a four-year degree. The tenure split is 84% owner-occupied to 16% rented. Population is roughly 1,014 with a median age of 57. The vacancy rate is 17.7% — elevated. Around 74% of renters are cost-burdened. There are about 652 housing units across 28766.

On the whole, 28766 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 28766 runs through one identical public-record model, so its 31/100 sits on the same scale as every other ZIP in Transylvania County, North Carolina and the nation. Sparse data for 28766 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 28766'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. For a buyer, 28766 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.