ZIP 32065 Foreclosure, Tax-Lien & Distress Report

Clay County, Florida's ZIP 32065 registers 33/100 composite distress, which DLRadar reads as moderate. Structural exposure scores 72 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), flood (NFIP) exposure (82/100). Property-level stress concentrates in structural risk (72/100), institutional ownership (71/100), construction/permit lag (42/100). By contrast, mortgage stress (22/100) register low.

Prices here sit in a contraction phase: values fell 0.9% over the trailing year, 1.8% off the recent peak, and 5% higher over three years, at 32/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

About 40,366 people live here, median age 37. Home values center near $299,400, an affordability ratio of 3.0× — accessible. The vacancy rate is 4.9%. On demographic stress specifically, 32065 scores 29/100. The tenure split is 74% owner-occupied to 26% rented. Around 41% of renters are cost-burdened. The poverty rate is 10.2%. There are about 15,132 housing units across 32065. Households earn a median $92,842 — above the roughly $78,000 national figure. About 28% have a four-year degree.

On the whole, 32065 leans distressed, with opportunity clustered in specific stressed parcels. While 32065 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 32065 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 32065, the field stays empty rather than modeled, and fills in as new documents post.

32065's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 32065 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.