ZIP 32145 Foreclosure, Tax-Lien & Distress Report

St Johns County, Florida's ZIP 32145 registers 38/100 composite distress, which DLRadar reads as moderate. Its heaviest discrete signals: construction/permit lag (91/100), structural risk (83/100), institutional ownership (69/100). By contrast, mortgage stress (27/100) register low. Structural risk reads 83/100 against active distress of 8/100. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (89/100), flood (NFIP) exposure (70/100).

Prices here sit in a contraction phase: values fell 0.9% over the trailing year, 1.8% off the recent peak, and 22% higher over three years (phase confidence 32/100). A cooling market tends to open discount-to-value windows.

There are about 2,475 housing units across 32145. Roughly 14.1% live below the poverty line. At $81,931, median income runs near typical U.S. levels. Educational attainment sits at 17% bachelor's-or-above. Around 67% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 33/100. Owners hold 78% of homes, renters 22%. 5,750 residents call 32145 home, typically aged 39. The vacancy rate is 16.1% — elevated. Home values center near $229,200, an affordability ratio of 2.4× — accessible.

Taken together, 32145 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Inside the full report, DLRadar lists 3 distressed properties for 32145 — owner, address, APN, per-parcel score, bank exposure and exit read.

Because one deterministic model scores every ZIP, 32145's 38/100 can be lined up against any neighbor in St Johns County, Florida or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 32145 reflects the current record instead of a stale or modeled snapshot.

Behind 32145'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. For a buyer, 32145 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.