ZIP 28792 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 28792 (Henderson County, North Carolina) at a moderate 31/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (99/100), FEMA disaster exposure (84/100), climate & FEMA risk (82/100). Property-level stress concentrates in structural risk (68/100), institutional ownership (67/100), construction/permit lag (28/100). On the quiet end sit construction/permit lag (28/100) and mortgage stress (27/100). The latent-versus-live split is 68/100 structural and 8/100 already moving.

The market reads peak — home values rose 0.8% year on year, and 15% higher over three years (phase confidence 18/100). Topping markets hide individual distress behind strong averages.

Population is roughly 36,071 with a median age of 45. The ZIP holds roughly 18,366 housing units. A median home runs $278,500 here, or 4.5 times local income. Vacancy runs 11.7%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 35/100. Educational attainment sits at 26% bachelor's-or-above. 60% of housing is owner-occupied. 15.8% of residents fall below the poverty threshold. Median household income is $55,066, below the U.S. median near $78,000. Around 39% of renters are cost-burdened.

On balance 28792 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 28792 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 28792's 31/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 28792, the field stays empty rather than modeled, and fills in as new documents post.

The 31/100 figure for 28792 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 28792 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.