ZIP 32086 Property Distress & Foreclosure Data

Composite property distress in 32086 (St Johns County, Florida) lands at 36/100 — moderate on DLRadar's public-record scoring. Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (89/100), flood (NFIP) exposure (70/100). The latent-versus-live split is 78/100 structural and 8/100 already moving. The sharpest non-environmental signals are structural risk (78/100), institutional ownership (69/100), construction/permit lag (69/100). mortgage stress (27/100) stay muted.

Prices here sit in a peak phase: values rose 1.8% over the trailing year, and 8% higher over three years (phase confidence 18/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

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. 34,347 residents call 32086 home, typically aged 50. Educational attainment sits at 33% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 31/100. The vacancy rate is 10.8%. Owners hold 78% of homes, renters 22%. Home values center near $382,800, an affordability ratio of 4.6×. The ZIP holds roughly 15,903 housing units.

Overall, 32086 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.