ZIP 32040 Property Distress & Foreclosure Data

Composite property distress in 32040 (Baker County, Florida) lands at 21/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are institutional ownership (71/100), structural risk (46/100), construction/permit lag (28/100). On the quiet end sit construction/permit lag (28/100) and mortgage stress (27/100). On the structural side it scores 46/100, with 8/100 of stress already active. Environmental exposure also runs high (FEMA disaster exposure (99/100), flood (NFIP) exposure (67/100)).

The peak-phase market in 32040 posted values that rose 1.8% over the year, and 15% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

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. Population is roughly 8,754 with a median age of 35. The vacancy rate is 6.1%. 86% of housing is owner-occupied. The demographic-stress sub-score lands at 30/100. The ZIP holds roughly 3,257 housing units. The typical home is worth about $261,500 (2.7× income, relatively affordable).

On the whole, 32040 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.