ZIP 32102 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 32102 (Lake County, Florida) lands at 37/100 — moderate on DLRadar's distress scoring. On the structural side it scores 83/100, with 8/100 of stress already active. The most distinctive pressure shows up in structural risk (83/100), institutional ownership (73/100), construction/permit lag (66/100). By contrast, mortgage stress (28/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (98/100), flood (NFIP) exposure (94/100), climate & FEMA risk (93/100).

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 25% higher over three years, at 10/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The ZIP holds roughly 1,830 housing units. 18.7% of residents fall below the poverty threshold. 2,401 residents call 32102 home, typically aged 59. The tenure split is 92% owner-occupied to 8% rented. The vacancy rate is 31.0% — elevated. About 8% have a four-year degree. Households earn a median $56,598 — below the roughly $78,000 national figure. Around 0% of renters are cost-burdened. Home values center near $161,100, an affordability ratio of 2.5× — accessible. The demographic-stress sub-score lands at 24/100.

Taken together, 32102 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 32102 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 32102 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 37/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 32102 reflects the current record instead of a stale or modeled snapshot.

Behind 32102'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 32102 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.