ZIP 28777 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 28777 (Mitchell County, North Carolina) lands at 20/100 — low on DLRadar's distress scoring. Its heaviest discrete signals: institutional ownership (75/100), structural risk (45/100), mortgage stress (34/100). By contrast, mortgage stress (34/100) register low. The split runs 45/100 structural to 10/100 active on the ground. Environmental exposure also runs high (flood (NFIP) exposure (94/100), FEMA disaster exposure (77/100)).

Prices here sit in a peak phase: values rose 2.7% over the trailing year, and 19% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

Households earn a median $62,399 — below the roughly $78,000 national figure. Rent burden reaches 31% of tenant households. The tenure split is 77% owner-occupied to 23% rented. The ZIP holds roughly 5,093 housing units. The poverty rate is 13.2%. Population is roughly 10,368 with a median age of 45. DLRadar's demographic-stress index for the area reads 30/100. The vacancy rate is 24.9% — elevated. Educational attainment sits at 19% bachelor's-or-above. A median home runs $228,400 here, or 3.3 times local income.

Taken together, 28777 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 28777 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 28777 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28777 can be compared directly against any other ZIP in Mitchell County, North Carolina or nationwide. Every figure is auditable to a public dataset and refreshed as records update; 28777 shows blanks, not estimates, wherever the record is sparse.

The 20/100 for 28777 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 28777 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.