ZIP 33037 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 33037 (Monroe County, Florida) returns a moderate composite of 37/100. Latent structural risk is 80/100 while live distress already moving reads 9/100. What sets it apart are the readings on structural risk (80/100), construction/permit lag (76/100), institutional ownership (69/100). By contrast, mortgage stress (32/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (91/100), flood (NFIP) exposure (69/100).

Prices here sit in a peak phase: values rose 0.6% over the trailing year, and 15% higher over three years (phase confidence 6/100). Topping markets hide individual distress behind strong averages.

79% of housing is owner-occupied. Roughly 10.8% live below the poverty line. Vacancy runs 44.7%, above the national norm and a classic distress-and-opportunity signal. About 41% have a four-year degree. About 13,674 people live here, median age 54. At $80,911, median income runs near typical U.S. levels. The typical home is worth about $683,000 (8.2× income, severely stretched). There are about 10,568 housing units across 33037. DLRadar's demographic-stress index for the area reads 46/100. Around 41% of renters are cost-burdened.

Net-net, 33037 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 8 individual distressed properties in 33037, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Big metro or rural, 33037 runs through one identical public-record model, so its 37/100 sits on the same scale as every other ZIP in Monroe County, Florida and the nation. Where the public record is thin for 33037, the field stays empty rather than modeled, and fills in as new documents post.

The 37/100 figure for 33037 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. For an operator, 33037 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.