ZIP 31307 Foreclosure, Tax-Lien & Distress Report

Effingham County, Georgia's ZIP 31307 registers 33/100 composite distress, which DLRadar reads as moderate. Structural exposure scores 74 and live distress 8 on the 0–100 scale. Environmental exposure also runs high (FEMA disaster exposure (97/100), flood (NFIP) exposure (87/100), climate & FEMA risk (63/100)). The pressure is most legible in structural risk (74/100), construction/permit lag (73/100), institutional ownership (71/100). On the quiet end sit mortgage stress (26/100).

The market reads peak — home values rose 2.4% year on year, at 22/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 1,620 with a median age of 28. 83% of housing is owner-occupied. The ZIP holds roughly 537 housing units. At $110,573, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 17/100. The vacancy rate is 9.4%. Roughly 2.1% live below the poverty line, a low share typical of higher-equity areas. Rent burden reaches 0% of tenant households. The typical home is worth about $318,300 (2.5× income, relatively affordable). Around 44% of adults hold a bachelor's degree or higher.

Net-net, 31307 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. 31307 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 31307 runs through one identical scoring model, so its 33/100 sits on the same scale as every other ZIP in Effingham County, Georgia and the nation. Sparse data for 31307 shows as blanks, never estimates, and the score updates on every fresh public filing.

31307's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 31307 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.