ZIP 32765 Property Distress & Foreclosure Data

DLRadar grades ZIP 32765 (Seminole County, Florida) at a moderate 30/100 for overall property distress. Property-level stress concentrates in institutional ownership (68/100), structural risk (64/100), mortgage stress (25/100). By contrast, mortgage stress (25/100) and construction/permit lag (12/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (92/100), flood (NFIP) exposure (67/100). The latent-versus-live split is 64/100 structural and 8/100 already moving.

The market reads contraction — home values held roughly flat year on year, and 11% higher over three years (phase confidence 43/100). A cooling market tends to open discount-to-value windows.

On demographic stress specifically, 32765 scores 32/100. Roughly 10.1% live below the poverty line. Households earn a median $99,161 — above the roughly $78,000 national figure. About 63,646 people live here, median age 36. About 53% have a four-year degree. A median home runs $447,900 here, or 4.2 times local income. Around 52% of renters are cost-burdened. The tenure split is 72% owner-occupied to 28% rented. The ZIP holds roughly 23,954 housing units. The vacancy rate is 5.0%.

Net-net, 32765 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 911 individual distressed properties in 32765, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.