ZIP 31309 Foreclosure, Tax-Lien & Distress Report

Liberty County, Georgia's ZIP 31309 registers 29/100 composite distress, which DLRadar reads as low. Latent structural risk is 62/100 while live distress already moving reads 8/100. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (85/100), flood (NFIP) exposure (84/100). The most distinctive pressure shows up in institutional ownership (71/100), structural risk (62/100), mortgage stress (28/100). By contrast, mortgage stress (28/100) register low.

The peak-phase market in 31309 posted values that rose 3.6% over the year, at 52/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $95,100 (1.4× income, relatively affordable). The vacancy rate is 30.2% — elevated. 508 residents call 31309 home, typically aged 47. The tenure split is 84% owner-occupied to 16% rented. The ZIP holds roughly 246 housing units. Rent burden reaches 50% of tenant households. The demographic-stress sub-score lands at 30/100. About 18% have a four-year degree. Roughly 20.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. At $62,500, median income runs below typical U.S. levels.

On the whole, 31309 leans distressed, with opportunity clustered in specific stressed parcels. While 31309 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 31309 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 29/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 31309 reflects the current record instead of a stale or modeled snapshot.

31309's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 31309 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.