ZIP 32228 Foreclosure, Tax-Lien & Distress Report

ZIP code 32228 in Duval County, Florida carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (97/100), flood (NFIP) exposure (86/100). Latent structural risk is 77/100 while live distress already moving reads 0/100. What sets it apart are the readings on structural risk (77/100), institutional ownership (72/100), construction/permit lag (43/100).

The market reads contraction — home values fell 0.9% year on year, 1.8% off the recent peak (phase confidence 32/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

About 203 people live here, median age 23. On demographic stress specifically, 32228 scores 93/100. Around 21% of adults hold a bachelor's degree or higher.

On the whole, 32228 leans distressed, with opportunity clustered in specific stressed parcels. While 32228 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 32228 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 35/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 32228 shows blanks, not estimates, wherever the record is sparse.

Each component behind 32228 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 35/100 roll-up. For a buyer, 32228 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.