ZIP 31401 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 31401 (Chatham County, Georgia) at a moderate 37/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), FEMA disaster exposure (97/100), flood (NFIP) exposure (89/100). The latent-versus-live split is 81/100 structural and 8/100 already moving. What sets it apart are the readings on structural risk (81/100), institutional ownership (72/100), construction/permit lag (57/100). By contrast, mortgage stress (28/100) register low.

The peak-phase market in 31401 posted values that rose 2.4% over the year, and 19% higher over three years (phase confidence 22/100). Topping markets hide individual distress behind strong averages.

Around 48% of adults hold a bachelor's degree or higher. The ZIP holds roughly 11,651 housing units. Households earn a median $50,182 — below the roughly $78,000 national figure. Rent burden reaches 53% of tenant households. On demographic stress specifically, 31401 scores 59/100. About 20,562 people live here, median age 28. Home values center near $552,400, an affordability ratio of 9.5× — stretched. 33% of housing is owner-occupied. Roughly 37.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 25.8% — elevated.

Taken together, 31401 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 31401 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 31401 runs through one identical public-record model, so its 37/100 sits on the same scale as every other ZIP in Chatham County, Georgia and the nation. Where the public record is thin for 31401, the field stays empty rather than modeled, and fills in as new documents post.

Behind 31401'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. The point of the 31401 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.