ZIP 32003 Property Distress & Foreclosure Data

DLRadar grades ZIP 32003 (Clay County, Florida) at a moderate 33/100 for overall property distress. Structural exposure scores 71 and live distress 7 on the 0–100 scale. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (83/100). Property-level stress concentrates in construction/permit lag (83/100), structural risk (71/100), institutional ownership (59/100). By contrast, mortgage stress (22/100) register low.

The market reads peak — home values rose 1.8% year on year, and 10% higher over three years, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 29,351 people live here, median age 48. There are about 12,043 housing units across 32003. Roughly 5.1% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 32003 scores 25/100. The tenure split is 87% owner-occupied to 13% rented. Households earn a median $119,046 — above the roughly $78,000 national figure. A median home runs $422,400 here, or 3.3 times local income. Rent burden reaches 42% of tenant households. Vacancy runs 4.6%. About 48% have a four-year degree.

Net-net, 32003 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.