ZIP 32038 Property Distress & Foreclosure Data

ZIP code 32038 in Columbia County, Florida carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. Structural risk reads 74/100 against active distress of 8/100. Climate and flood risk are elevated too — FEMA disaster exposure (100/100), flood (NFIP) exposure (79/100), climate & FEMA risk (67/100). What sets it apart are the readings on structural risk (74/100), construction/permit lag (73/100), institutional ownership (71/100). mortgage stress (27/100) stay muted.

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 24% higher over three years, at 19/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 17.8%, above the national norm and a classic distress-and-opportunity signal. Median household income is $58,075, below the U.S. median near $78,000. 10,035 residents call 32038 home, typically aged 51. DLRadar's demographic-stress index for the area reads 30/100. Owners hold 86% of homes, renters 14%. 16.1% of residents fall below the poverty threshold. Home values center near $182,500, an affordability ratio of 3.1× — accessible. There are about 4,572 housing units across 32038. Educational attainment sits at 15% bachelor's-or-above. Rent burden reaches 34% of tenant households.

Taken together, 32038 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.