ZIP 32765 Foreclosure, Tax-Lien & Distress Report

ZIP 32765's composite property-distress score is 37/100 - DLRadar classes that as moderate for Seminole County, Florida. What sets it apart are the readings on structural risk (80/100), construction/permit lag (77/100), institutional ownership (68/100). By contrast, mortgage stress (25/100) register low. Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (92/100), flood (NFIP) exposure (67/100)). Structural exposure scores 80 and live distress 8 on the 0–100 scale.

The market reads peak — home values held roughly flat year on year, and 11% higher over three years (phase confidence 14/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

DLRadar's demographic-stress index for the area reads 32/100. 10.1% of residents fall below the poverty threshold. Households earn a median $99,161 — above the roughly $78,000 national figure. 63,646 residents call 32765 home, typically aged 36. About 53% have a four-year degree. Home values center near $447,900, an affordability ratio of 4.2×. Around 52% of renters are cost-burdened. Owners hold 72% of homes, renters 28%. There are about 23,954 housing units across 32765. Vacancy runs 5.0%.

On balance 32765 is mixed, rewarding parcel-by-parcel screening over broad assumptions. DLRadar currently tracks 897 individual distressed properties in 32765, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

The number is not local guesswork: 32765's 37/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 32765 reflects the current record instead of a stale or modeled snapshot.

32765'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. Practically, 32765 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.