ZIP 32963 Property Distress & Foreclosure Data

DLRadar grades ZIP 32963 (Indian River County, Florida) at a moderate 40/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (95/100), FEMA disaster exposure (95/100), flood (NFIP) exposure (83/100). The latent-versus-live split is 89/100 structural and 8/100 already moving. Property-level stress concentrates in construction/permit lag (100/100), structural risk (89/100), institutional ownership (69/100). By contrast, mortgage stress (28/100) register low.

The market reads contraction — home values held roughly flat year on year, 2.0% off the recent peak, and 10% higher over three years (phase confidence 7/100). A cooling market tends to open discount-to-value windows.

Households earn a median $142,985 — above the roughly $78,000 national figure. Around 43% of renters are cost-burdened. A median home runs $943,900 here, or 6.3 times local income. On demographic stress specifically, 32963 scores 34/100. Roughly 6.8% live below the poverty line, a low share typical of higher-equity areas. About 68% have a four-year degree. About 14,980 people live here, median age 69. The ZIP holds roughly 12,282 housing units. The tenure split is 95% owner-occupied to 5% rented. The vacancy rate is 36.6% — elevated.

Net-net, 32963 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 109 individual distressed properties in 32963, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.