ZIP 32092 Foreclosure, Tax-Lien & Distress Report

ZIP code 32092 in St Johns County, Florida carries a composite property-distress score of 38/100 — a moderate reading on DLRadar's deterministic public-record index. The latent-versus-live split is 83/100 structural and 8/100 already moving. Its heaviest discrete signals: construction/permit lag (91/100), structural risk (83/100), institutional ownership (69/100). mortgage stress (27/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (89/100), flood (NFIP) exposure (70/100).

The contraction-phase market in 32092 posted values that fell 0.9% over the year, 1.8% off the recent peak, and 17% higher over three years (phase confidence 32/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The ZIP holds roughly 20,220 housing units. Around 66% of renters are cost-burdened. A median home runs $489,800 here, or 3.8 times local income. Around 49% of adults hold a bachelor's degree or higher. 48,288 residents call 32092 home, typically aged 41. The vacancy rate is 8.9%. At $122,655, median income runs above typical U.S. levels. On demographic stress specifically, 32092 scores 31/100. The tenure split is 88% owner-occupied to 12% rented. The poverty rate is 6.1% — low.

On the whole, 32092 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.

No ZIP is too small to score: 32092 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 38/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 32092, the field stays empty rather than modeled, and fills in as new documents post.

The 38/100 figure for 32092 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 32092 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.