ZIP 32038 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 32038 (Columbia County, Florida) returns a moderate composite of 32/100. On the structural side it scores 71/100, with 8/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (100/100), flood (NFIP) exposure (79/100), climate & FEMA risk (67/100). The pressure is most legible in institutional ownership (71/100), structural risk (71/100), construction/permit lag (58/100). On the quiet end sit mortgage stress (27/100).

The market reads peak — home values rose 0.6% year on year, and 24% higher over three years (phase confidence 6/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 17.8% — elevated. At $58,075, median income runs below typical U.S. levels. 10,035 residents call 32038 home, typically aged 51. The demographic-stress sub-score lands at 30/100. The tenure split is 86% owner-occupied to 14% rented. The poverty rate is 16.1%. Home values center near $182,500, an affordability ratio of 3.1× — accessible. The ZIP holds roughly 4,572 housing units. About 15% have a four-year degree. Rent burden reaches 34% of tenant households.

Taken together, 32038 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 32038 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 32038 read uses the identical public-record model applied coast to coast, which means its 32/100 score means exactly what it means anywhere else, and 32038 stays directly comparable to neighboring ZIPs and the rest of Columbia County, Florida. Where the public record is thin for 32038, the field stays empty rather than modeled, and fills in as new documents post.

Behind 32038'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. Practically, 32038 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.