ZIP 32003 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 32003 in Clay County, Florida comes in at 33, a moderate composite-distress reading. The split runs 72/100 structural to 7/100 active on the ground. Environmental exposure also runs high (FEMA disaster exposure (99/100), climate & FEMA risk (83/100), flood (NFIP) exposure (82/100)). The pressure is most legible in structural risk (72/100), institutional ownership (71/100), construction/permit lag (42/100). By contrast, mortgage stress (22/100) register low.

Prices here sit in a contraction phase: values fell 0.9% over the trailing year, 1.8% off the recent peak, and 10% higher over three years, at 32/100 phase confidence. A cooling market tends to open discount-to-value windows.

29,351 residents call 32003 home, typically aged 48. There are about 12,043 housing units across 32003. The poverty rate is 5.1% — low. On demographic stress specifically, 32003 scores 25/100. 87% of housing is owner-occupied. Households earn a median $119,046 — above the roughly $78,000 national figure. The typical home is worth about $422,400 (3.3× income, relatively affordable). Rent burden reaches 42% of tenant households. Vacancy runs 4.6%. Around 48% of adults hold a bachelor's degree or higher.

Taken together, 32003 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 32003 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 32003 runs hot or quiet, its 33/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32003 can be compared directly against any other ZIP in Clay County, Florida or nationwide. Where the record is thin for 32003, the field stays empty rather than modeled, and fills in as new documents post.

The 33/100 for 32003 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 32003 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.