ZIP 28768 Foreclosure, Tax-Lien & Distress Report

ZIP 28768's composite property-distress score is 32/100 - DLRadar classes that as moderate for Transylvania County, North Carolina. Property-level stress concentrates in structural risk (72/100), construction/permit lag (69/100), institutional ownership (68/100). mortgage stress (30/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (96/100), FEMA disaster exposure (88/100), climate & FEMA risk (60/100)). Structurally it carries 72/100, against 9/100 of stress already in motion.

Prices here sit in a peak phase: values rose 1.9% over the trailing year, and 14% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $72,567 — near the roughly $78,000 national figure. Home values center near $341,400, an affordability ratio of 4.1×. 12.4% of residents fall below the poverty threshold. 85% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 33/100. About 40% have a four-year degree. Rent burden reaches 51% of tenant households. Population is roughly 6,836 with a median age of 52. The vacancy rate is 21.3% — elevated. There are about 3,550 housing units across 28768.

Net-net, 28768 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 28768 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 28768's 32/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 28768, the field stays empty rather than modeled, and fills in as new documents post.

The 32/100 figure for 28768 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 28768 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.