ZIP 32966 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 32966 (Indian River County, Florida) returns a moderate composite of 30/100. Structural risk reads 64/100 against active distress of 8/100. Its standout signals are institutional ownership (69/100), structural risk (64/100), mortgage stress (28/100). On the quiet end sit mortgage stress (28/100). Climate and flood risk are elevated too — climate & FEMA risk (95/100), FEMA disaster exposure (94/100), flood (NFIP) exposure (82/100).

The market reads recovery — home values rose 2.7% year on year, and 13% higher over three years, at 37/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 18.7%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 76% owner-occupied to 24% rented. 20,025 residents call 32966 home, typically aged 63. Around 33% of adults hold a bachelor's degree or higher. Median household income is $63,144, below the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 33/100. Home values center near $294,200, an affordability ratio of 4.2×. The ZIP holds roughly 12,154 housing units. Roughly 9.5% live below the poverty line. Around 53% of renters are cost-burdened.

On the whole, 32966 leans distressed, with opportunity clustered in specific stressed parcels. DLRadar currently tracks 102 individual distressed properties in 32966, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

No ZIP is too small to score: 32966 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 32966 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 30/100 figure for 32966 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 32966 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.