ZIP 28909 Foreclosure, Tax-Lien & Distress Report

Clay County, North Carolina's ZIP 28909 registers 21/100 composite distress, which DLRadar reads as low. Structural risk reads 47/100 against active distress of 9/100. What sets it apart are the readings on institutional ownership (58/100), structural risk (47/100), construction/permit lag (43/100). mortgage stress (29/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (67/100).

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 31% higher over three years, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 30.5% — elevated. 10.1% of residents fall below the poverty threshold. 87% of housing is owner-occupied. Educational attainment sits at 37% bachelor's-or-above. About 356 people live here, median age 60. On demographic stress specifically, 28909 scores 20/100. The ZIP holds roughly 423 housing units. Rent burden reaches 0% of tenant households. Home values center near $285,400, an affordability ratio of 2.5× — accessible. Median household income is $87,604, above the U.S. median near $78,000.

Taken together, 28909 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 28909 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 28909 runs through one identical scoring model, so its 21/100 sits on the same scale as every other ZIP in Clay County, North Carolina and the nation. Sparse data for 28909 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 21/100 figure for 28909 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 28909 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.