ZIP 28909 Property Distress & Foreclosure Data

DLRadar grades ZIP 28909 (Clay County, North Carolina) at a low 25/100 for overall property distress. Structural exposure scores 57 and live distress 9 on the 0–100 scale. Property-level stress concentrates in construction/permit lag (74/100), institutional ownership (63/100), structural risk (57/100). mortgage stress (29/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (70/100).

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 31% higher over three years, at 30/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 30.5%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 10.1%. 87% of housing is owner-occupied. Around 37% of adults hold a bachelor's degree or higher. 356 residents call 28909 home, typically aged 60. The demographic-stress sub-score lands at 20/100. There are about 423 housing units across 28909. Rent burden reaches 0% of tenant households. The typical home is worth about $285,400 (2.5× income, relatively affordable). At $87,604, median income runs above typical U.S. levels.

Taken together, 28909 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.