ZIP 28768 Property Distress & Foreclosure Data

ZIP code 28768 in Transylvania County, North Carolina carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (72/100), institutional ownership (71/100), construction/permit lag (67/100). mortgage stress (30/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (95/100), FEMA disaster exposure (93/100), climate & FEMA risk (60/100). The latent-versus-live split is 72/100 structural and 9/100 already moving.

Prices here sit in a peak phase: values rose 3.2% over the trailing year, and 14% higher over three years (phase confidence 28/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $72,567, median income runs near typical U.S. levels. The typical home is worth about $341,400 (4.1× income). The poverty rate is 12.4%. 85% of housing is owner-occupied. The demographic-stress sub-score lands at 33/100. Around 40% of adults hold a bachelor's degree or higher. Around 51% of renters are cost-burdened. 6,836 residents call 28768 home, typically aged 52. The vacancy rate is 21.3% — elevated. The ZIP holds roughly 3,550 housing units.

Taken together, 28768 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.