ZIP 28909 Foreclosure, Tax-Lien & Distress Report
Clay County, North Carolina · High Vacancy market
Clay County, North Carolina's ZIP 28909 registers 23/100 composite distress, which DLRadar reads as low. Structural risk reads 52/100 against active distress of 9/100. What sets it apart are the readings on institutional ownership (61/100), construction/permit lag (58/100), structural risk (52/100). mortgage stress (29/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (69/100).
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 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 28909 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 23/100 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.
Signal-by-signal read on 28909
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
28909 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 28909, the same set carried on every parcel.
Neighbouring ZIPs in Clay County
Keep exploring North Carolina distress
Related ZIP, county and statewide reads linked to Clay County, North Carolina.
Unlock parcel-level detail for ZIP 28909
Every distressed parcel in 28909 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Deterministic. Every signal traces to a public dataset · methodology