ZIP 32820 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 32820 (Orange County, Florida) lands at 38/100 — moderate on DLRadar's public-record scoring. Climate and flood risk are elevated too — climate & FEMA risk (99/100), FEMA disaster exposure (98/100), flood (NFIP) exposure (90/100). Latent structural risk is 84/100 while live distress already moving reads 8/100. The sharpest non-environmental signals are structural risk (84/100), institutional ownership (73/100), construction/permit lag (67/100). By contrast, mortgage stress (28/100) register low.

The peak-phase market in 32820 posted values that held roughly flat over the year, and 23% higher over three years, at 14/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The demographic-stress sub-score lands at 31/100. There are about 3,699 housing units across 32820. Median household income is $103,675, above the U.S. median near $78,000. Rent burden reaches 50% of tenant households. Roughly 18.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 11,130 people live here, median age 41. Educational attainment sits at 47% bachelor's-or-above. Owners hold 85% of homes, renters 16%. The vacancy rate is 5.3%. Home values center near $438,600, an affordability ratio of 3.7× — accessible.

Overall, 32820 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 32820 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 32820's 38/100 can be lined up against any neighbor in Orange County, Florida or any ZIP coast to coast. Where the public record is thin for 32820, the field stays empty rather than modeled, and fills in as new documents post.

32820'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. The point of the 32820 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.