ZIP 31804 Foreclosure, Tax-Lien & Distress Report

ZIP code 31804 in Harris County, Georgia carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic distress index. Structurally it carries 40/100, against 5/100 of stress already in motion. It additionally carries heavy environmental risk: FEMA disaster exposure (88/100). Leading the profile are construction/permit lag (58/100), institutional ownership (47/100), structural risk (40/100). mortgage stress (16/100) stay muted.

The peak-phase market in 31804 posted values that rose 1.6% over the year, 1.6% off the recent peak, and 27% higher over three years, at 31/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 11.3%, above the national norm and a classic distress-and-opportunity signal. Owners hold 95% of homes, renters 5%. At $100,761, median income runs above typical U.S. levels. Rent burden reaches 27% of tenant households. The typical home is worth about $323,600 (2.9× income, relatively affordable). DLRadar's demographic-stress index for the area reads 24/100. There are about 2,345 housing units across 31804. About 26% have a four-year degree. Population is roughly 5,814 with a median age of 46. The poverty rate is 4.3% — low.

On balance 31804 is mixed, rewarding parcel-by-parcel screening over broad assumptions. No parcel file is published for 31804 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 31804 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 31804 can be compared directly against any other ZIP in Harris County, Georgia or nationwide. Where the record is thin for 31804, the field stays empty rather than modeled, and fills in as new documents post.

Behind 31804'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 31804 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.