ZIP 32137 Foreclosure, Tax-Lien & Distress Report

ZIP code 32137 in Flagler County, Florida carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic distress index. On the structural side it scores 76/100, with 8/100 of stress already active. It additionally carries heavy environmental risk: FEMA disaster exposure (98/100), flood (NFIP) exposure (90/100), climate & FEMA risk (82/100). Its standout signals are structural risk (76/100), institutional ownership (73/100), construction/permit lag (54/100). On the quiet end sit mortgage stress (28/100).

The market reads contraction — home values held roughly flat year on year, and 2% higher over three years (phase confidence 9/100). Falling values surface more motivated sellers and below-market exits.

Population is roughly 47,003 with a median age of 57. The tenure split is 87% owner-occupied to 13% rented. Home values center near $402,600, an affordability ratio of 4.6×. Around 57% of renters are cost-burdened. The vacancy rate is 17.6% — elevated. The ZIP holds roughly 25,298 housing units. Median household income is $78,731, near the U.S. median near $78,000. Around 37% of adults hold a bachelor's degree or higher. On demographic stress specifically, 32137 scores 34/100. The poverty rate is 9.4%.

Net-net, 32137 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 18 individual distressed properties in 32137, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Whether 32137 runs hot or quiet, its 34/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32137 can be compared directly against any other ZIP in Flagler County, Florida or nationwide. Sparse data for 32137 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 32137'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. Practically, 32137 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.