ZIP 33040 Property Distress & Foreclosure Data

Monroe County, Florida's ZIP 33040 registers 36/100 composite distress, which DLRadar reads as moderate. Structural exposure scores 78 and live distress 9 on the 0–100 scale. The most distinctive pressure shows up in structural risk (78/100), institutional ownership (69/100), construction/permit lag (66/100). mortgage stress (32/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (91/100), flood (NFIP) exposure (70/100).

Prices here sit in a peak phase: values held roughly flat over the trailing year, and 16% higher over three years, at 19/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

36,091 residents call 33040 home, typically aged 44. Home values center near $819,400, an affordability ratio of 9.7× — stretched. 10.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 53/100. There are about 19,404 housing units across 33040. Vacancy runs 20.8%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 38% bachelor's-or-above. Rent burden reaches 53% of tenant households. Owners hold 48% of homes, renters 52%. Median household income is $79,038, near the U.S. median near $78,000.

Taken together, 33040 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Inside the full report, DLRadar lists 11 distressed properties for 33040 — owner, address, APN, per-parcel score, bank exposure and exit read.