ZIP 31004 Foreclosure, Tax-Lien & Distress Report

Monroe County, Georgia's ZIP 31004 registers 24/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: FEMA disaster exposure (91/100), flood (NFIP) exposure (82/100). What sets it apart are the readings on institutional ownership (67/100), construction/permit lag (58/100), structural risk (55/100). The split runs 55/100 structural to 0/100 active on the ground.

The peak-phase market in 31004 posted values that rose 1.0% over the year, at 53/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Net-net, 31004 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 31004 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 31004 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 31004 can be compared directly against any other ZIP in Monroe County, Georgia or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 31004 shows blanks, not estimates, wherever the record is sparse.

31004's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 31004 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.