ZIP 28902 Foreclosure, Tax-Lien & Distress Report

ZIP code 28902 in Clay County, North Carolina carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (64/100), construction/permit lag (62/100), structural risk (58/100). On the quiet end sit mortgage stress (28/100). On the structural side it scores 58/100, with 9/100 of stress already active. Environmental exposure also runs high (FEMA disaster exposure (88/100), flood (NFIP) exposure (75/100)).

The expansion-phase market in 28902 posted values that rose 5.5% over the year, and 57% higher over three years (phase confidence 30/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Households earn a median $65,769 — below the roughly $78,000 national figure. Population is roughly 966 with a median age of 53. Around 38% of renters are cost-burdened. About 41% have a four-year degree. Roughly 6.9% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 45.3% — elevated. The tenure split is 93% owner-occupied to 7% rented. On demographic stress specifically, 28902 scores 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.