ZIP 33040 Foreclosure, Tax-Lien & Distress Report

ZIP 33040's composite property-distress score is 35/100 - DLRadar classes that as moderate for Monroe County, Florida. The split runs 77/100 structural to 9/100 active on the ground. What sets it apart are the readings on structural risk (77/100), institutional ownership (72/100), construction/permit lag (51/100). 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 (84/100).

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. No parcel file is published for 33040 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 33040's 35/100 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 as records update; 33040 shows blanks, not estimates, wherever the record is sparse.

The 35/100 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.