ZIP 32181 Foreclosure, Tax-Lien & Distress Report

In Putnam County, Florida, ZIP 32181 scores 30 of 100 for composite distress, a moderate level on DLRadar's distress index. Property-level stress concentrates in institutional ownership (72/100), structural risk (66/100), mortgage stress (27/100). mortgage stress (27/100) and construction/permit lag (25/100) stay muted. Latent structural risk is 66/100 while live distress already moving reads 8/100. Environmental exposure also runs high (FEMA disaster exposure (99/100), flood (NFIP) exposure (85/100), climate & FEMA risk (76/100)).

The market reads peak — home values rose 0.6% year on year, at 6/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 64% of renters are cost-burdened. Roughly 34.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 69% owner-occupied to 31% rented. Around 8% of adults hold a bachelor's degree or higher. There are about 1,188 housing units across 32181. The vacancy rate is 20.8% — elevated. The demographic-stress sub-score lands at 38/100. 2,512 residents call 32181 home, typically aged 36. At $45,147, median income runs below typical U.S. levels. The typical home is worth about $100,400 (2.3× income, relatively affordable).

Taken together, 32181 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 32181 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 32181's 30/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the record is thin for 32181, the field stays empty rather than modeled, and fills in as new documents post.

32181's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 32181 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.