ZIP 32656 Property Distress & Foreclosure Data

In Clay County, Florida, ZIP 32656 scores 32 of 100 for composite distress, a moderate level on DLRadar's public-record index. Structural exposure scores 70 and live distress 7 on the 0–100 scale. Its standout signals are construction/permit lag (83/100), structural risk (70/100), institutional ownership (59/100). mortgage stress (22/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (81/100).

Prices here sit in a peak phase: values rose 1.9% over the trailing year, and 15% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

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. Home values center near $231,200, an affordability ratio of 2.8× — accessible. Educational attainment sits at 22% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 27/100. Median household income is $73,201, near the U.S. median near $78,000. 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.