ZIP 32431 Foreclosure, Tax-Lien & Distress Report
Jackson County, Florida · High Vacancy market
ZIP code 32431 in Jackson County, Florida carries a composite property-distress score of 30/100 — a moderate reading on DLRadar's deterministic public-record index. Property-level stress concentrates in structural risk (66/100), institutional ownership (65/100), construction/permit lag (57/100). By contrast, mortgage stress (26/100) register low. The split runs 66/100 structural to 8/100 active on the ground. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (70/100).
The market reads peak — home values rose 3.8% year on year (phase confidence 21/100). Topping markets hide individual distress behind strong averages.
At $52,270, median income runs below typical U.S. levels. There are about 2,288 housing units across 32431. The demographic-stress sub-score lands at 35/100. Around 16% of adults hold a bachelor's degree or higher. 75% of housing is owner-occupied. Home values center near $136,200, an affordability ratio of 2.9× — accessible. The poverty rate is 17.0% — high, a tax-stress and distress correlate. Population is roughly 4,887 with a median age of 45. Around 67% of renters are cost-burdened. The vacancy rate is 16.9% — elevated.
Net-net, 32431 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 32431 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Big metro or rural, 32431 runs through one identical public-record model, so its 30/100 sits on the same scale as every other ZIP in Jackson County, Florida and the nation. Where the public record is thin for 32431, the field stays empty rather than modeled, and fills in as new documents post.
Each component behind 32431 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 30/100 roll-up. For a buyer, 32431 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.
What is driving ZIP 32431’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 32431 by the numbers
The live 32431 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Jackson County ZIP codes
Keep exploring Florida distress
Additional distress intelligence spanning Jackson County, Florida by ZIP, county and state.
Unlock parcel-level detail for ZIP 32431
Every distressed parcel in 32431 comes with owner and address, APN, its own distress score, bank exposure and an exit-velocity read — plus a one-click path to funding and closing, refreshed continuously nationwide.
Built from public records, scored the same way everywhere · methodology