ZIP 32177 Foreclosure, Tax-Lien & Distress Report

In Putnam County, Florida, ZIP 32177 scores 27 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (76/100), flood (NFIP) exposure (67/100). Property-level stress concentrates in institutional ownership (68/100), structural risk (58/100), mortgage stress (27/100). By contrast, mortgage stress (27/100) and construction/permit lag (9/100) register low. The split runs 58/100 structural to 8/100 active on the ground.

The market reads peak — home values rose 0.6% year on year, and 18% higher over three years (phase confidence 6/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

26,046 residents call 32177 home, typically aged 42. Households earn a median $47,486 — below the roughly $78,000 national figure. The vacancy rate is 8.7%. DLRadar's demographic-stress index for the area reads 35/100. There are about 11,420 housing units across 32177. Rent burden reaches 42% of tenant households. A median home runs $165,500 here, or 3.3 times local income. 24.3% of residents fall below the poverty threshold. 63% of housing is owner-occupied. Educational attainment sits at 13% bachelor's-or-above.

Net-net, 32177 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 2 individual distressed properties in 32177, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

The 32177 read uses the identical public-record model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 32177 stays directly comparable to neighboring ZIPs and the rest of Putnam County, Florida. Where the public record is thin for 32177, the field stays empty rather than modeled, and fills in as new documents post.

Behind 32177'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, 32177 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.