ZIP 32095 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 32095 (St Johns County, Florida) lands at 38/100 — moderate on DLRadar's public-record scoring. Property-level stress concentrates in construction/permit lag (91/100), structural risk (83/100), institutional ownership (69/100). mortgage stress (27/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (98/100), climate & FEMA risk (89/100), flood (NFIP) exposure (70/100). Latent structural risk is 83/100 while live distress already moving reads 8/100.

The market reads contraction — home values fell 0.9% year on year, 1.8% off the recent peak, and 13% higher over three years (phase confidence 32/100). A cooling market tends to open discount-to-value windows.

Vacancy runs 8.1%. Rent burden reaches 67% of tenant households. At $124,556, median income runs above typical U.S. levels. Owners hold 91% of homes, renters 9%. About 53% have a four-year degree. About 18,927 people live here, median age 42. There are about 8,149 housing units across 32095. The demographic-stress sub-score lands at 31/100. The poverty rate is 6.7% — low. The typical home is worth about $525,000 (3.9× income, relatively affordable).

Net-net, 32095 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 32095 at the moment; the composite and its components are still built from verifiable public records.

Whether 32095 runs hot or quiet, its 38/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32095 can be compared directly against any other ZIP in St Johns County, Florida or nationwide. The score is rebuilt from public data as it updates, so 32095 reflects the current record instead of a stale or modeled snapshot.

The 38/100 figure for 32095 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. The point of the 32095 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.