ZIP 33042 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 33042 (Monroe County, Florida) at a moderate 35/100 for overall property distress. Structural risk reads 77/100 against active distress of 9/100. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (91/100), flood (NFIP) exposure (84/100). What sets it apart are the readings on structural risk (77/100), institutional ownership (72/100), construction/permit lag (51/100). By contrast, mortgage stress (32/100) register low.

Prices here sit in a peak phase: values rose 0.6% over the trailing year, and 8% higher over three years, at 6/100 phase confidence. Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 4,757 housing units. Rent burden reaches 44% of tenant households. Home values center near $856,500, an affordability ratio of 7.5× — stretched. Vacancy runs 38.5%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 78% owner-occupied to 22% rented. DLRadar's demographic-stress index for the area reads 43/100. 9.2% of residents fall below the poverty threshold. About 45% have a four-year degree. Population is roughly 6,781 with a median age of 53. Median household income is $101,625, above the U.S. median near $78,000.

On the whole, 33042 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 33042 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 33042 runs through one identical scoring model, so its 35/100 sits on the same scale as every other ZIP in Monroe County, Florida and the nation. Where the record is thin for 33042, the field stays empty rather than modeled, and fills in as new documents post.

33042's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. The point of the 33042 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.