ZIP 28904 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 28904 in Clay County, North Carolina comes in at 23, a low composite-distress reading. It additionally carries heavy environmental risk: FEMA disaster exposure (84/100), flood (NFIP) exposure (69/100). Structural risk reads 52/100 against active distress of 9/100. The sharpest non-environmental signals are institutional ownership (61/100), construction/permit lag (58/100), structural risk (52/100). On the quiet end sit mortgage stress (29/100).

The market reads peak — home values rose 2.8% year on year, and 24% higher over three years (phase confidence 22/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $53,785, below the U.S. median near $78,000. The vacancy rate is 30.1% — elevated. Rent burden reaches 50% of tenant households. About 10,614 people live here, median age 53. Roughly 13.5% live below the poverty line. DLRadar's demographic-stress index for the area reads 37/100. Home values center near $284,500, an affordability ratio of 5.0×. Owners hold 79% of homes, renters 21%. About 31% have a four-year degree. There are about 6,514 housing units across 28904.

Taken together, 28904 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 28904 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 28904 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Clay County, North Carolina and the nation. Sparse data for 28904 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 28904'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 a buyer, 28904 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.