ZIP 32309 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 32309 in Leon County, Florida comes in at 35, a moderate composite-distress reading. What sets it apart are the readings on structural risk (77/100), institutional ownership (69/100), construction/permit lag (56/100). By contrast, mortgage stress (26/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (98/100), climate & FEMA risk (94/100), flood (NFIP) exposure (73/100). On the structural side it scores 77/100, with 8/100 of stress already active.

The expansion-phase market in 32309 posted values that rose 5.8% over the year, and 13% higher over three years, at 58/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The tenure split is 83% owner-occupied to 17% rented. The ZIP holds roughly 13,813 housing units. About 33,962 people live here, median age 42. Around 39% of renters are cost-burdened. At $110,162, median income runs above typical U.S. levels. DLRadar's demographic-stress index for the area reads 23/100. Around 61% of adults hold a bachelor's degree or higher. Home values center near $376,000, an affordability ratio of 3.2× — accessible. 4.3% of residents fall below the poverty threshold. The vacancy rate is 4.4%.

Net-net, 32309 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. DLRadar currently tracks 1 individual distressed properties in 32309, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Because one deterministic model scores every ZIP, 32309's 35/100 can be lined up against any neighbor in Leon County, Florida or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 32309 shows blanks, not estimates, wherever the record is sparse.

Behind 32309'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. Practically, 32309 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.