ZIP 32609 Foreclosure, Tax-Lien & Distress Report

Alachua County, Florida's ZIP 32609 registers 30/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (90/100), flood (NFIP) exposure (65/100). Property-level stress concentrates in institutional ownership (68/100), structural risk (63/100), mortgage stress (22/100). mortgage stress (22/100) and construction/permit lag (11/100) stay muted. Structural risk reads 63/100 against active distress of 7/100.

The market reads contraction — home values held roughly flat year on year, 2.1% off the recent peak, and 21% higher over three years (phase confidence 30/100). Falling values surface more motivated sellers and below-market exits.

Population is roughly 19,694 with a median age of 36. Home values center near $178,900, an affordability ratio of 3.6× — accessible. The ZIP holds roughly 8,497 housing units. The vacancy rate is 9.2%. 53% of housing is owner-occupied. The demographic-stress sub-score lands at 36/100. Around 48% of renters are cost-burdened. Households earn a median $48,121 — below the roughly $78,000 national figure. 22.1% of residents fall below the poverty threshold. Around 27% of adults hold a bachelor's degree or higher.

Net-net, 32609 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 32609 runs hot or quiet, its 30/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32609 can be compared directly against any other ZIP in Alachua County, Florida or nationwide. Nothing here is interpolated — where a source is thin for 32609, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 32609'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. The point of the 32609 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.