ZIP 32331 Foreclosure, Tax-Lien & Distress Report

ZIP 32331's composite property-distress score is 23/100 - DLRadar classes that as low for Madison County, Florida. It additionally carries heavy environmental risk: FEMA disaster exposure (100/100), flood (NFIP) exposure (65/100). Its standout signals are institutional ownership (69/100), structural risk (50/100), mortgage stress (28/100). mortgage stress (28/100) and construction/permit lag (14/100) stay muted. The latent-versus-live split is 50/100 structural and 8/100 already moving.

The peak-phase market in 32331 posted values that rose 4.1% over the year (phase confidence 21/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 88% of homes, renters 12%. Home values center near $83,700, an affordability ratio of 1.5× — accessible. Rent burden reaches 31% of tenant households. Vacancy runs 22.7%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 4,642 with a median age of 46. Median household income is $53,472, below the U.S. median near $78,000. The ZIP holds roughly 2,194 housing units. Roughly 23.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 8% have a four-year degree. DLRadar's demographic-stress index for the area reads 27/100.

On the whole, 32331 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 32331 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 32331 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32331 can be compared directly against any other ZIP in Madison County, Florida or nationwide. The score is rebuilt from public data as it updates, so 32331 reflects the current record instead of a stale or modeled snapshot.

32331's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 32331 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.