ZIP 32040 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 32040 in Baker County, Florida comes in at 23, a low composite-distress reading. Property-level stress concentrates in institutional ownership (74/100), structural risk (52/100), construction/permit lag (41/100). By contrast, mortgage stress (27/100) register low. The split runs 52/100 structural to 8/100 active on the ground. Climate and flood risk are elevated too — FEMA disaster exposure (100/100), flood (NFIP) exposure (79/100).

The contraction-phase market in 32040 posted values that fell 0.9% over the year, 1.8% off the recent peak, and 15% higher over three years, at 32/100 phase confidence. A cooling market tends to open discount-to-value windows.

At $76,667, median income runs near typical U.S. levels. Around 40% of renters are cost-burdened. The poverty rate is 20.3% — high, a tax-stress and distress correlate. Around 14% of adults hold a bachelor's degree or higher. About 8,754 people live here, median age 35. Vacancy runs 6.1%. Owners hold 86% of homes, renters 14%. The demographic-stress sub-score lands at 30/100. The ZIP holds roughly 3,257 housing units. A median home runs $261,500 here, or 2.7 times local income.

Taken together, 32040 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 32040 at the moment; the composite and its components are still built from verifiable records.

Because one deterministic model scores every ZIP, 32040's 23/100 can be lined up against any neighbor in Baker County, Florida or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 32040, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 32040 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 23/100 roll-up. The point of the 32040 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.