ZIP 32086 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 32086 (St Johns County, Florida) lands at 38/100 — moderate on DLRadar's public-record scoring. Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (89/100), flood (NFIP) exposure (70/100)). The split runs 83/100 structural to 8/100 active on the ground. The pressure is most legible in construction/permit lag (91/100), structural risk (83/100), institutional ownership (69/100). mortgage stress (27/100) stay muted.

The contraction-phase market in 32086 posted values that fell 0.9% over the year, 1.8% off the recent peak, and 8% higher over three years (phase confidence 32/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $74,508, near the U.S. median near $78,000. 7.1% of residents fall below the poverty threshold. Around 36% of renters are cost-burdened. About 34,347 people live here, median age 50. Educational attainment sits at 33% bachelor's-or-above. The demographic-stress sub-score lands at 31/100. Vacancy runs 10.8%. The tenure split is 78% owner-occupied to 22% rented. A median home runs $382,800 here, or 4.6 times local income. There are about 15,903 housing units across 32086.

Taken together, 32086 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 32086 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 32086 read uses the identical public-record model applied coast to coast, which means its 38/100 score means exactly what it means anywhere else, and 32086 stays directly comparable to neighboring ZIPs and the rest of St Johns County, Florida. Every figure is auditable to a public dataset and refreshed on ingest; 32086 shows blanks, not estimates, wherever the record is sparse.

Behind 32086'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. The point of the 32086 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.