Scotland County, North Carolina Court Filings Intelligence
Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Scotland County court dockets. Updated 2026-08-03. See methodology.
- Filing volume accelerating (+18.3%) — last 2 complete months (142 filings) vs prior 2 complete months (120 filings). Excludes the current calendar month (in progress).
- Max gross cap rate 12.5% at HUD Fair Market Rent — $11,100/year (2BR FMR × 12) on the $88,675 median estimated market value. Section-8-eligible rent ceiling; real-market rent typically exceeds FMR; excludes operating costs (taxes, insurance, maintenance, vacancy, management).
- 71.0% of filings are Lien — the dominant lead category in Scotland County during the observed window.
About Scotland County
Scotland County is a county located in the south central part of the U.S. state of North Carolina. Its county seat is and largest community is Laurinburg. The county was formed in 1899 from part of Richmond County and named in honor of the Scottish settlers who occupied the area in the 1700s. As of the 2020 census, its population was 34,174.
Source: Wikipedia
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756 property-related court filings tracked across 14 months (Jul 2025 to Aug 2026).
58 typical monthly filing volume.
0% of filings involve owners whose mailing address differs from the property address (2 of 756 filings).
$88,675 median estimated property value across the 100 filings with property-enrichment data (13% coverage).
3.5% North Carolina unemployment rate (BLS, as of 2026-05). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Filings | Share | |
|---|---|---|---|
| Other | 572 | 75.7% | |
| Divorce | 76 | 10.1% | |
| Probate | 63 | 8.3% | |
| Pre-Foreclosure | 24 | 3.2% | |
| Tax Sale | 21 | 2.8% |
Each row is a distinct case as recorded on the county docket.
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Monthly filing activity
| Month | Filings | vs prior | |
|---|---|---|---|
| Jul 2025 | 18 | ||
| Aug 2025 | 47 | +29 | |
| Sep 2025 | 51 | +4 | |
| Oct 2025 | 64 | +13 | |
| Nov 2025 | 52 | -12 | |
| Dec 2025 | 46 | -6 | |
| Jan 2026 | 101 | +55 | |
| Feb 2026 | 54 | -47 | |
| Mar 2026 | 54 | 0 | |
| Apr 2026 | 57 | +3 | |
| May 2026 | 63 | +6 | |
| Jun 2026 | 80 | +17 | |
| Jul 2026 | 62 | -18 | |
| Aug 2026 | 5 | -57 |
Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.
Geographic concentration by ZIP
Top 1 ZIPs in Scotland County account for 0.3% of all tracked filings, showing where distressed real estate activity clusters.
| ZIP | City | Filings | Share | |
|---|---|---|---|---|
| 28352 | LAURINBURG | 2 | 0.3% |
Based on filings with a parseable property address (0% of Scotland County filings).
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Property value distribution
| Estimated value | Filings | Share | |
|---|---|---|---|
| Under $75k | 39 | 39.0% | |
| $75k - $150k | 47 | 47.0% | |
| $150k - $250k | 12 | 12.0% | |
| $250k - $400k | 1 | 1.0% | |
| $400k+ | 1 | 1.0% |
Source: third-party property enrichment (13% coverage on Scotland County filings). Median $88,675; mean $104,054.
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Day-of-week filing pattern
| Day | Filings | Share | |
|---|---|---|---|
| Sun | 46 | 6.1% | |
| Mon | 101 | 13.4% | |
| Tue | 108 | 14.3% | |
| Wed | 94 | 12.5% | |
| Thu | 237 | 31.4% | |
| Fri | 103 | 13.7% | |
| Sat | 65 | 8.6% |
Filings show some weekend activity, suggesting after-hours electronic filing. Computed for 754 filings with a parseable date.
Housing stock + distress signals
Underlying housing stock and distress indicators across all 14421 Scotland County housing units, from US Census ACS 5-year data. National reference values shown for context.
| Indicator | Scotland County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 14.2% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 47.1% | 60.8% |
| Pre-1940 housing stock | 5.5% | 12.3% |
| Single-family detached share of housing stock | 56.8% | 61.2% |
| Residents age 65 or older | 17.9% | 17.3% |
Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.
Rent benchmark (HUD Fair Market Rent)
HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Scotland County sits within the Scotland County, NC. Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.
| Unit size | Fair market rent / month |
|---|---|
| Efficiency / studio | $750 |
| 1-bedroom | $755 |
| 2-bedroom | $925 |
| 3-bedroom | $1,244 |
| 4-bedroom | $1,249 |
Source: US Department of Housing and Urban Development, Fair Market Rents (None). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.
New construction (market momentum)
Annual building permits filed in Scotland County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.
| Indicator | Value |
|---|---|
| Total housing units permitted (2025) | 59 |
| Year-over-year change (2024 → 2025) | -15.7% |
| Single-family share of permits (2025) | 100.0% |
| Single-family units permitted | 59 |
| Multifamily units permitted (2+ units per building) | 0 |
Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.
Macro context: state home prices and national delinquency
Scotland County filings should be read against the broader housing-market backdrop. North Carolina state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.
| Indicator | Value | Period |
|---|---|---|
| North Carolina home price index (year-over-year) | +2.4% | 2026-01-01 |
| North Carolina home price index (cumulative since 2020) | +72.0% | 2026-01-01 |
| National mortgage delinquency rate (30+ day, single-family) | 1.89% | 2026-01-01 |
Sources: Federal Housing Finance Agency state house price indices (FRED series NCSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.
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Filing velocity by case type
How each distress category is trending — are foreclosures accelerating while divorces cool, or vice versa? This breakdown is only possible with direct court-record data.
| Case type | Total | Share | Trend |
|---|---|---|---|
| Lien | 535 | 70.8% | +19.8% |
| Divorce | 76 | 10.1% | +66.7% |
| Probate | 61 | 8.1% | -19.0% |
| Pre-Foreclosure | 24 | 3.2% | +66.7% |
| Tax Sale | 21 | 2.8% | -68.8% |
| Eviction | 15 | 2.0% | +50.0% |
| Personal Property | 11 | 1.5% | -- |
| Other | 6 | 0.8% | -- |
Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.
Seasonal filing patterns
Court filings peak in Jan and are lowest in Jul. The 2.5x peak-to-trough ratio suggests strong seasonal patterns — investors who time their outreach around Jan can reach more distressed homeowners.
| Month | Avg filings | Relative |
|---|---|---|
| Jan | 101 | 100% |
| Feb | 54 | 53% |
| Mar | 54 | 53% |
| Apr | 57 | 56% |
| May | 63 | 62% |
| Jun | 80 | 79% |
| Jul | 40 | 40% |
| Aug | 47 | 47% |
| Sep | 51 | 50% |
| Oct | 64 | 63% |
| Nov | 52 | 51% |
| Dec | 46 | 46% |
Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Jan), with a 2.5x peak-to-trough ratio.
Non-resident owner analysis
Most filings (100%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.
| Case type | Total filings | Non-resident % |
|---|---|---|
| Lien | 535 | 0.0% |
| Divorce | 76 | 0.0% |
| Probate | 63 | 1.6% |
| Pre-Foreclosure | 24 | 4.2% |
| Tax Sale | 21 | 0.0% |
| Eviction | 15 | 0.0% |
| Personal Property | 11 | 0.0% |
| Other | 6 | 0.0% |
Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.
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Distress composition and shifts
The distress mix is stable across all case types.
| Case type | Recent share | Earlier share | Shift |
|---|---|---|---|
| Lien | 70.4% | 71.7% | -1.3pp |
| Divorce | 13.4% | 9.4% | +4.0pp |
| Probate | 8.5% | 7.2% | +1.3pp |
| Pre-Foreclosure | 2.8% | 3.3% | -0.5pp |
| Personal Property | 2.1% | 1.3% | +0.8pp |
| Negligence | 0.7% | 0.2% | +0.5pp |
| Other | 0.7% | 0.8% | -0.1pp |
| Contract | 0.7% | 0.2% | +0.5pp |
| Child Support | 0.7% | 0.0% | +0.7pp |
| Tax Sale | 0.0% | 3.5% | -3.5pp |
| Eviction | 0.0% | 2.5% | -2.5pp |
Distress diversity score: 1.51 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.
Property Value Profile
The median assessed value of properties in court filings is $68,220. Probate filings involve the highest-value properties (median $100,390), while Tax Sale filings trend lower (median $8,500). The largest segment (69.7%) falls in the Under $100K range.
| Value range | Properties | Share |
|---|---|---|
| Under $100K | 92 | 69.7% |
| $100K - $250K | 38 | 28.8% |
| $250K - $500K | 1 | 0.8% |
| $500K - $1M | 1 | 0.8% |
Value breakdown by case type
| Case type | Median value | Avg value | Properties |
|---|---|---|---|
| Lien | $77,350 | $83,131 | 90 |
| Probate | $100,390 | $117,046 | 20 |
| Divorce | $74,380 | $64,612 | 9 |
| Tax Sale | $8,500 | $18,727 | 7 |
Based on county assessor records for 132 properties with court filings (17.5% of total filings). Values are tax-assessed amounts, not market listing prices.
Distress Capital Analysis
$10,859,780 in assessed property value is currently tied up in 132 court-filed properties. Lien filings represent the largest capital pool ($7,481,810 across 90 properties).
Capital at Risk by Filing Type
| Filing Type | Total Value | Properties | Avg Value | High Equity % |
|---|---|---|---|---|
| Lien | $7,481,810 | 90 | $83,131 | -- |
| Probate | $2,340,910 | 20 | $117,046 | -- |
| Divorce | $581,510 | 9 | $64,612 | -- |
| Tax Sale | $131,090 | 7 | $18,727 | -- |
Based on 132 properties with assessor valuations (17.5% of 756 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.
Market Absorption & Turnover Analysis
748 court filings tracked with 0 resolved (0.0% absorption rate). The court system is accumulating cases faster than they resolve, creating a growing backlog of 748 active cases.
| Month | New Filings | Resolved | Net | Inflow | Absorption |
|---|---|---|---|---|---|
| Jul 2025 | 18 | 0 | +18 | 0.0% | |
| Aug 2025 | 47 | 0 | +47 | 0.0% | |
| Sep 2025 | 51 | 0 | +51 | 0.0% | |
| Oct 2025 | 64 | 0 | +64 | 0.0% | |
| Nov 2025 | 52 | 0 | +52 | 0.0% | |
| Dec 2025 | 46 | 0 | +46 | 0.0% | |
| Jan 2026 | 101 | 0 | +101 | 0.0% | |
| Feb 2026 | 54 | 0 | +54 | 0.0% | |
| Mar 2026 | 53 | 0 | +53 | 0.0% | |
| Apr 2026 | 57 | 0 | +57 | 0.0% | |
| May 2026 | 59 | 0 | +59 | 0.0% | |
| Jun 2026 | 80 | 0 | +80 | 0.0% | |
| Jul 2026 | 61 | 0 | +61 | 0.0% | |
| Aug 2026 | 5 | 0 | +5 | 0.0% |
Resolution by Case Type
| Case Type | Filed | Resolved | Absorption | Avg Days |
|---|---|---|---|---|
| Lien | 531 | 0 | 0.0% | n/a |
| Divorce | 76 | 0 | 0.0% | n/a |
| Probate | 61 | 0 | 0.0% | n/a |
| Tax Sale | 21 | 0 | 0.0% | n/a |
| Pre-Foreclosure | 18 | 0 | 0.0% | n/a |
| Eviction | 15 | 0 | 0.0% | n/a |
| Personal Property | 11 | 0 | 0.0% | n/a |
| Other | 10 | 0 | 0.0% | n/a |
Absorption rate measures the percentage of filed cases that have reached a terminal resolution (judgment, dismissal, settlement, or sale). A low absorption rate indicates a growing backlog of active cases in the court system. Resolution timing based on 0 resolved cases out of 748 total filings.
Case Aging & Stall Analysis
20 cases (2.7%) have been active for over a year without resolution. 64 filings in the last <30 days represent fresh opportunities.
| Age | Total | Resolved | Still active | Resolution rate |
|---|---|---|---|---|
| <30 days | 64 | 0 | 64 | 0.0% |
| 30-90 days | 136 | 0 | 136 | 0.0% |
| 3-6 months | 168 | 0 | 168 | 0.0% |
| 6-12 months | 360 | 0 | 360 | 0.0% |
| 1-2 years | 20 | 0 | 20 | 0.0% |
Resolution speed by case type
| Case type | Total | Resolved | Rate | Median days |
|---|---|---|---|---|
| Lien | 531 | 0 | 0.0% | — |
| Divorce | 76 | 0 | 0.0% | — |
| Probate | 61 | 0 | 0.0% | — |
| Tax Sale | 21 | 0 | 0.0% | — |
| Pre-Foreclosure | 18 | 0 | 0.0% | — |
| Eviction | 15 | 0 | 0.0% | — |
| Personal Property | 11 | 0 | 0.0% | — |
Case aging computed from filing date to present for unresolved cases. Resolution classified from court docket entries (judgments, settlements, dismissals, sheriff sales). Cases with a resolution event are removed from the stall count.
Quarterly Filing Volume Trends
Filing trends across 4 comparable quarters show 682 tracked filings in Scotland County. Most recent quarter (2026 Q2: 196) was stable vs prior (2026 Q1: 208, -5.8%). Probate shows the largest composition shift, growing share from 4.0% to 10.6%.
| Quarter | Total | Lien | Divorce | Probate | Tax Sale |
|---|---|---|---|---|---|
| 2025 Q3 | 116 | 95 (81.9%) | 14 (12.1%) | — | — |
| 2025 Q4 | 162 | 114 (70.4%) | 11 (6.8%) | 11 (6.8%) | 12 (7.4%) |
| 2026 Q1 | 208 | 145 (69.7%) | 20 (9.6%) | 25 (12.0%) | 4 (1.9%) |
| 2026 Q2 | 196 | 138 (70.4%) | 17 (8.7%) | 18 (9.2%) | 5 (2.6%) |
Composition shift: Probate filings are growing share, moving from 4.0% to 10.6% of total filings (+6.7 percentage points).
Only comparable quarters shown (collection ramp-up periods excluded). Filing dates from verified court records. Current partial quarter excluded from trend calculations.
Property Value Distribution
The median property value in distressed filings is $59,810, with the largest concentration (40.9%) in the Under $50K range. Probate filings have the highest median value ($90,250) while Divorce filings are lowest ($61,120).
| Price range | Count | Share | Distribution |
|---|---|---|---|
| Under $50K | 56 | 40.9% | |
| $50K–$100K | 41 | 29.9% | |
| $100K–$150K | 26 | 19.0% | |
| $150K–$200K | 3 | 2.2% | |
| $200K–$300K | 10 | 7.3% | |
| $500K+ | 1 | 0.7% |
Value by case type
| Case type | Median value | Average value | Properties |
|---|---|---|---|
| Lien | $68,860 | $81,387 | 92 |
| Probate | $90,250 | $111,619 | 21 |
| Divorce | $61,120 | $58,592 | 10 |
Assessed property values from county assessor records for 137 properties (18.3% of total filings). Values reflect tax-assessed amounts, not market price.
Repeat litigation patterns in Scotland County
Of 700 unique property owners in court filings, 31 (4.4%) appear in multiple cases, including 4 with 3 or more filings. The most active repeat filer has 6 cases. Personal Property cases have the highest repeat rate at 18.2%.
Repeat rate by case type
| Case type | Repeat owners | Total owners | Repeat rate |
|---|---|---|---|
| Lien | 29 | 497 | 5.8% |
| Tax Sale | 2 | 20 | 10.0% |
| Personal Property | 2 | 11 | 18.2% |
Analysis based on 700 unique owner names across court filings. Repeat filers are property owners appearing in 2 or more distinct cases.
Serial distressed properties in Scotland County
Of 56 unique properties in court filings, 4 (7.1%) have multiple filings (averaging 2.5 filings per property). Average time between repeat filings: 4 months. Lien properties have the highest repeat rate at 10.3%.
Serial distress rate by case type
| Case type | Serial properties | Total properties | Serial rate |
|---|---|---|---|
| Lien | 4 | 39 | 10.3% |
Analysis based on 56 unique property addresses across court filings. Serial distressed properties have 2 or more distinct case filings at the same address.
Methodology and data sources
- Court filings are collected directly from Scotland County court records, which are public information.
- This dataset is the court-filing archive as collected from the county docket. The owner-of-record match and the entity-owner screen are applied to delivered leads, not to these filing counts.
- Property value figures come from third-party enrichment (13% coverage on this dataset).
- Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
- The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
- This report was generated 2026-08-03 from the live database. Numbers reflect the dataset at that moment.
Related North Carolina guides
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Cite: Keystone Court Data, "Scotland County North Carolina Court Filings Intelligence," 2026-08-03, https://keystonecourtdata.com/reports/scotland-nc-court-filings-intelligence · Download data (CSV)