ZIP 32065 Property Distress & Foreclosure Data

ZIP code 32065 in Clay County, Florida carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 71 and live distress 7 on the 0–100 scale. Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (83/100). What sets it apart are the readings on construction/permit lag (83/100), structural risk (71/100), institutional ownership (59/100). mortgage stress (22/100) stay muted.

Prices here sit in a peak phase: values rose 1.8% over the trailing year, and 5% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

40,366 residents call 32065 home, typically aged 37. Home values center near $299,400, an affordability ratio of 3.0× — accessible. Vacancy runs 4.9%. DLRadar's demographic-stress index for the area reads 29/100. Owners hold 74% of homes, renters 26%. Rent burden reaches 41% of tenant households. 10.2% of residents fall below the poverty threshold. There are about 15,132 housing units across 32065. Median household income is $92,842, above the U.S. median near $78,000. Educational attainment sits at 28% bachelor's-or-above.

Overall, 32065 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.