ZIP 32351 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 32351 (Gadsden County, Florida) at a low 28/100 for overall property distress. The split runs 61/100 structural to 8/100 active on the ground. It additionally carries heavy environmental risk: FEMA disaster exposure (98/100), flood (NFIP) exposure (77/100), climate & FEMA risk (66/100). The sharpest non-environmental signals are institutional ownership (70/100), structural risk (61/100), mortgage stress (27/100). On the quiet end sit mortgage stress (27/100) and construction/permit lag (24/100).

The market reads expansion — home values rose 5.8% year on year, and 20% higher over three years, at 58/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 16,808 with a median age of 37. The tenure split is 65% owner-occupied to 35% rented. 33.5% of residents fall below the poverty threshold. Around 16% of adults hold a bachelor's degree or higher. The vacancy rate is 16.7% — elevated. The ZIP holds roughly 6,757 housing units. The typical home is worth about $134,600 (3.0× income, relatively affordable). The demographic-stress sub-score lands at 36/100. Around 43% of renters are cost-burdened. Households earn a median $39,219 — below the roughly $78,000 national figure.

Taken together, 32351 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. DLRadar currently tracks 9 individual distressed properties in 32351, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

No ZIP is too small to score: 32351 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 28/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 32351 shows blanks, not estimates, wherever the record is sparse.

Behind 32351'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. Treat 32351 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.