ZIP 32097 Property Distress & Foreclosure Data

ZIP code 32097 in Nassau County, Florida carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (70/100), structural risk (67/100), construction/permit lag (53/100). On the quiet end sit mortgage stress (27/100). Environmental exposure also runs high (FEMA disaster exposure (99/100), flood (NFIP) exposure (74/100), climate & FEMA risk (63/100)). The latent-versus-live split is 67/100 structural and 8/100 already moving.

The peak-phase market in 32097 posted values that rose 1.8% over the year, and 17% higher over three years (phase confidence 18/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The demographic-stress sub-score lands at 27/100. The poverty rate is 9.5%. Around 25% of adults hold a bachelor's degree or higher. Population is roughly 24,880 with a median age of 39. Around 30% of renters are cost-burdened. The typical home is worth about $334,300 (3.3× income, relatively affordable). At $89,270, median income runs above typical U.S. levels. 79% of housing is owner-occupied. The ZIP holds roughly 10,458 housing units. The vacancy rate is 6.6%.

On balance 32097 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.