ZIP 28781 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 28781 (Macon County, North Carolina) lands at 32/100 — moderate on DLRadar's public-record scoring. The latent-versus-live split is 71/100 structural and 9/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (86/100), FEMA disaster exposure (84/100), climate & FEMA risk (70/100)). Its heaviest discrete signals: structural risk (71/100), institutional ownership (65/100), construction/permit lag (61/100). On the quiet end sit mortgage stress (30/100).

The peak-phase market in 28781 posted values that rose 2.8% over the year, and 38% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 906 housing units across 28781. Vacancy runs 40.9%, above the national norm and a classic distress-and-opportunity signal. Around 0% of renters are cost-burdened. The demographic-stress sub-score lands at 29/100. Population is roughly 1,058 with a median age of 59. At $50,577, median income runs below typical U.S. levels. The typical home is worth about $276,800 (5.2× income). Roughly 3.0% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 80% owner-occupied to 20% rented. Educational attainment sits at 28% bachelor's-or-above.

Net-net, 28781 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 28781 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 28781's 32/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 28781, the field stays empty rather than modeled, and fills in as new documents post.

The 32/100 figure for 28781 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. The point of the 28781 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.