ZIP 32656 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 32656 (Clay County, Florida) returns a low composite of 27/100. Latent structural risk is 57/100 while live distress already moving reads 7/100. Leading the profile are institutional ownership (59/100), structural risk (57/100), construction/permit lag (29/100). On the quiet end sit construction/permit lag (29/100) and mortgage stress (22/100). Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (81/100).

The contraction-phase market in 32656 posted values that fell 0.7% over the year, 1.7% off the recent peak, and 15% higher over three years (phase confidence 30/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

15,630 residents call 32656 home, typically aged 40. 12.8% of residents fall below the poverty threshold. There are about 6,766 housing units across 32656. Vacancy runs 13.5%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $231,200 (2.8× income, relatively affordable). Educational attainment sits at 22% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 27/100. Households earn a median $73,201 — near the roughly $78,000 national figure. Owners hold 82% of homes, renters 18%. Rent burden reaches 27% of tenant households.

Taken together, 32656 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. DLRadar currently tracks 1 individual distressed properties in 32656, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Whether 32656 runs hot or quiet, its 27/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32656 can be compared directly against any other ZIP in Clay County, Florida or nationwide. 32656 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

32656'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. For a buyer, 32656 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.