ZIP 28774 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 28774 (Transylvania County, North Carolina) at a moderate 31/100 for overall property distress. The split runs 69/100 structural to 9/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), FEMA disaster exposure (88/100), climate & FEMA risk (66/100). Its standout signals are structural risk (69/100), institutional ownership (67/100), construction/permit lag (56/100). mortgage stress (30/100) stay muted.

The market reads peak — home values rose 2.3% year on year (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

Home values center near $797,900, an affordability ratio of 6.1×. Owners hold 87% of homes, renters 13%. 1,437 residents call 28774 home, typically aged 64. The vacancy rate is 71.8% — elevated. At $119,183, median income runs above typical U.S. levels. Rent burden reaches 39% of tenant households. DLRadar's demographic-stress index for the area reads 37/100. Educational attainment sits at 68% bachelor's-or-above. There are about 2,859 housing units across 28774. The poverty rate is 6.3% — low.

On the whole, 28774 leans distressed, with opportunity clustered in specific stressed parcels. 28774 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 28774's 31/100 can be lined up against any neighbor in Transylvania County, North Carolina or any ZIP coast to coast. 28774 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 31/100 figure for 28774 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. Practically, 28774 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.