ZIP 32776 Foreclosure, Tax-Lien & Distress Report

ZIP 32776's composite property-distress score is 37/100 - DLRadar classes that as moderate for Lake County, Florida. Its heaviest discrete signals: structural risk (82/100), institutional ownership (73/100), construction/permit lag (64/100). By contrast, mortgage stress (27/100) register low. Latent structural risk is 82/100 while live distress already moving reads 8/100. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (92/100), flood (NFIP) exposure (92/100).

The market reads peak — home values held roughly flat year on year, and 13% higher over three years (phase confidence 14/100). Topping markets hide individual distress behind strong averages.

There are about 4,993 housing units across 32776. Educational attainment sits at 21% bachelor's-or-above. At $97,217, median income runs above typical U.S. levels. The vacancy rate is 10.4%. Roughly 5.5% live below the poverty line, a low share typical of higher-equity areas. Home values center near $410,100, an affordability ratio of 3.9× — accessible. About 12,668 people live here, median age 43. DLRadar's demographic-stress index for the area reads 27/100. Rent burden reaches 20% of tenant households. Owners hold 87% of homes, renters 13%.

Net-net, 32776 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 32776 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 32776 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 37/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 32776 reflects the current record instead of a stale or modeled snapshot.

32776'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, 32776 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.