ZIP 28902 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 28902 in Clay County, North Carolina comes in at 23, a low composite-distress reading. Its heaviest discrete signals: institutional ownership (58/100), structural risk (51/100), construction/permit lag (47/100). By contrast, mortgage stress (28/100) register low. Structural exposure scores 51 and live distress 9 on the 0–100 scale. It additionally carries heavy environmental risk: FEMA disaster exposure (77/100), flood (NFIP) exposure (73/100).

The peak-phase market in 28902 posted values that rose 2.8% over the year, and 57% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $65,769 — below the roughly $78,000 national figure. Population is roughly 966 with a median age of 53. Rent burden reaches 38% of tenant households. Educational attainment sits at 41% bachelor's-or-above. Roughly 6.9% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 45.3%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 93% owner-occupied to 7% rented. DLRadar's demographic-stress index for the area reads 30/100. A median home runs $252,700 here, or 3.9 times local income. The ZIP holds roughly 784 housing units.

On the whole, 28902 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 28902 at the moment; the composite and its components are still built from verifiable records.

Whether 28902 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 28902 can be compared directly against any other ZIP in Clay County, North Carolina or nationwide. Sparse data for 28902 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 23/100 for 28902 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 28902 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.