ZIP 28901 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 28901 (Cherokee County, North Carolina) lands at 28/100 — low on DLRadar's public-record scoring. Environmental exposure also runs high (flood (NFIP) exposure (84/100), FEMA disaster exposure (84/100)). Leading the profile are institutional ownership (64/100), structural risk (63/100), construction/permit lag (51/100). mortgage stress (29/100) stay muted. On the structural side it scores 63/100, with 9/100 of stress already active.

The peak-phase market in 28901 posted values that rose 2.8% over the year, and 29% higher over three years, at 22/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 20.7% — elevated. A median home runs $158,200 here, or 4.3 times local income. 17.8% of residents fall below the poverty threshold. The tenure split is 81% owner-occupied to 19% rented. At $39,299, median income runs below typical U.S. levels. Educational attainment sits at 22% bachelor's-or-above. 5,624 residents call 28901 home, typically aged 48. Around 25% of renters are cost-burdened. There are about 3,289 housing units across 28901. On demographic stress specifically, 28901 scores 32/100.

Net-net, 28901 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 28901 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 28901 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 28901 reflects the current record instead of a stale or modeled snapshot.

Behind 28901's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 28901 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.