ZIP 28785 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 28785 in Haywood County, North Carolina comes in at 32, a moderate composite-distress reading. Environmental exposure also runs high (flood (NFIP) exposure (97/100), FEMA disaster exposure (84/100), climate & FEMA risk (75/100)). The sharpest non-environmental signals are structural risk (70/100), institutional ownership (67/100), construction/permit lag (45/100). On the quiet end sit mortgage stress (29/100). The split runs 70/100 structural to 9/100 active on the ground.

The market reads peak — home values rose 1.9% year on year, and 15% higher over three years, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 8,619 people live here, median age 48. A median home runs $310,300 here, or 4.4 times local income. There are about 4,852 housing units across 28785. The poverty rate is 9.3%. 83% of housing is owner-occupied. Vacancy runs 27.8%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 40% of tenant households. About 33% have a four-year degree. DLRadar's demographic-stress index for the area reads 33/100. Households earn a median $63,750 — below the roughly $78,000 national figure.

Taken together, 28785 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 28785 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 28785 runs hot or quiet, its 32/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28785 can be compared directly against any other ZIP in Haywood County, North Carolina or nationwide. Nothing here is interpolated — where a source is thin for 28785, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

28785's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 28785 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.