ZIP 32328 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 32328 (Franklin County, Florida) returns a low composite of 25/100. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), flood (NFIP) exposure (81/100). Its heaviest discrete signals: institutional ownership (70/100), structural risk (56/100), mortgage stress (33/100). On the quiet end sit mortgage stress (33/100) and construction/permit lag (31/100). Latent structural risk is 56/100 while live distress already moving reads 10/100.

The peak-phase market in 32328 posted values that rose 3.8% over the year, and 37% higher over three years (phase confidence 23/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 46.6% — elevated. The tenure split is 86% owner-occupied to 14% rented. Home values center near $326,100, an affordability ratio of 5.0×. Educational attainment sits at 34% bachelor's-or-above. Rent burden reaches 33% of tenant households. Households earn a median $67,833 — below the roughly $78,000 national figure. About 3,974 people live here, median age 48. On demographic stress specifically, 32328 scores 37/100. The ZIP holds roughly 3,271 housing units. Roughly 18.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

On the whole, 32328 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 32328 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32328 can be compared directly against any other ZIP in Franklin County, Florida or nationwide. 32328 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 32328'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. In workflow terms, 32328 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.