ZIP 32189 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 32189 (Putnam County, Florida) at a moderate 30/100 for overall property distress. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), flood (NFIP) exposure (85/100), climate & FEMA risk (76/100). Latent structural risk is 66/100 while live distress already moving reads 8/100. The most distinctive pressure shows up 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.

Prices here sit in a peak phase: values rose 0.6% over the trailing year, and 23% higher over three years, at 6/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 25.0% — elevated. The typical home is worth about $152,500 (2.8× income, relatively affordable). Roughly 16.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 28% of renters are cost-burdened. About 13% have a four-year degree. The demographic-stress sub-score lands at 31/100. Median household income is $42,566, below the U.S. median near $78,000. About 5,527 people live here, median age 53. There are about 3,632 housing units across 32189. Owners hold 63% of homes, renters 37%.

Net-net, 32189 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 32189 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 32189 read uses the identical scoring model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 32189 stays directly comparable to neighboring ZIPs and the rest of Putnam County, Florida. Where the record is thin for 32189, the field stays empty rather than modeled, and fills in as new documents post.

The 30/100 figure for 32189 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 32189 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.