ZIP 32136 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 32136 (Flagler County, Florida) lands at 33/100 — moderate on DLRadar's public-record scoring. The pressure is most legible in structural risk (73/100), institutional ownership (71/100), construction/permit lag (48/100). mortgage stress (28/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (83/100), flood (NFIP) exposure (81/100). Structural exposure scores 73 and live distress 8 on the 0–100 scale.

Prices here sit in a contraction phase: values held roughly flat over the trailing year, and 7% higher over three years, at 9/100 phase confidence. A cooling market tends to open discount-to-value windows.

Median household income is $72,589, near the U.S. median near $78,000. The vacancy rate is 27.6% — elevated. The demographic-stress sub-score lands at 40/100. Educational attainment sits at 36% bachelor's-or-above. The poverty rate is 7.9%. 88% of housing is owner-occupied. 8,303 residents call 32136 home, typically aged 60. Home values center near $471,000, an affordability ratio of 6.0×. Rent burden reaches 68% of tenant households. There are about 5,509 housing units across 32136.

Net-net, 32136 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Inside the full report, DLRadar lists 41 distressed properties for 32136 — owner, address, APN, per-parcel score, bank exposure and exit read.

No ZIP is too small to score: 32136 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 33/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 32136 shows blanks, not estimates, wherever the record is sparse.

The 33/100 for 32136 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 32136 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.