ZIP 28801 Foreclosure, Tax-Lien & Distress Report

ZIP code 28801 in Buncombe County, North Carolina carries a composite property-distress score of 29/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: flood (NFIP) exposure (100/100), climate & FEMA risk (89/100), FEMA disaster exposure (77/100). Structural risk reads 62/100 against active distress of 9/100. The sharpest non-environmental signals are institutional ownership (63/100), structural risk (62/100), mortgage stress (29/100). By contrast, mortgage stress (29/100) register low.

The peak-phase market in 28801 posted values that rose 0.8% over the year, and 6% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 37% owner-occupied to 63% rented. 26.2% of residents fall below the poverty threshold. Rent burden reaches 42% of tenant households. Vacancy runs 28.4%, above the national norm and a classic distress-and-opportunity signal. There are about 9,014 housing units across 28801. The demographic-stress sub-score lands at 54/100. About 53% have a four-year degree. About 13,580 people live here, median age 43. At $51,125, median income runs below typical U.S. levels. The typical home is worth about $548,100 (9.4× income, severely stretched).

On the whole, 28801 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 28801 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 28801 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 28801, the field stays empty rather than modeled, and fills in as new documents post.

28801's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 28801 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.