ZIP 32640 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 32640 (Alachua County, Florida) at a moderate 30/100 for overall property distress. Leading the profile are institutional ownership (70/100), structural risk (63/100), mortgage stress (24/100). By contrast, mortgage stress (24/100) and construction/permit lag (12/100) register low. Latent structural risk is 63/100 while live distress already moving reads 7/100. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (85/100), flood (NFIP) exposure (73/100).

The peak-phase market in 32640 posted values that held roughly flat over the year, 1.4% off the recent peak, and 15% higher over three years, at 19/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 29/100. Vacancy runs 19.7%, above the national norm and a classic distress-and-opportunity signal. A median home runs $169,900 here, or 2.6 times local income. Rent burden reaches 34% of tenant households. Households earn a median $58,727 — below the roughly $78,000 national figure. Educational attainment sits at 14% bachelor's-or-above. The ZIP holds roughly 5,338 housing units. 10,780 residents call 32640 home, typically aged 46. Roughly 16.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 84% of housing is owner-occupied.

Net-net, 32640 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 32640 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 32640 runs through one identical scoring model, so its 30/100 sits on the same scale as every other ZIP in Alachua County, Florida and the nation. Nothing here is interpolated — where a source is thin for 32640, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

32640's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 32640 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.