ZIP 33040 Foreclosure, Tax-Lien & Distress Report

ZIP 33040's composite property-distress score is 37/100 - DLRadar classes that as moderate for Monroe County, Florida. The split runs 80/100 structural to 9/100 active on the ground. What sets it apart are the readings on structural risk (80/100), construction/permit lag (76/100), institutional ownership (69/100). mortgage stress (32/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (91/100), flood (NFIP) exposure (69/100).

The peak-phase market in 33040 posted values that rose 0.6% over the year, and 16% higher over three years (phase confidence 6/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

36,091 residents call 33040 home, typically aged 44. The typical home is worth about $819,400 (9.7× income, severely stretched). 10.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 53/100. The ZIP holds roughly 19,404 housing units. Vacancy runs 20.8%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 38% bachelor's-or-above. Around 53% of renters are cost-burdened. The tenure split is 48% owner-occupied to 52% rented. Households earn a median $79,038 — near the roughly $78,000 national figure.

On the whole, 33040 leans distressed, with opportunity clustered in specific stressed parcels. DLRadar currently tracks 12 individual distressed properties in 33040, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Because one deterministic model scores every ZIP, 33040's 37/100 can be lined up against any neighbor in Monroe County, Florida or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 33040 shows blanks, not estimates, wherever the record is sparse.

The 37/100 figure for 33040 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. Practically, 33040 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.