ZIP 33042 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 33042 (Monroe County, Florida) at a moderate 37/100 for overall property distress. Structural risk reads 80/100 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 (69/100). 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.

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. Inside the full report, DLRadar lists 2 distressed properties for 33042 — owner, address, APN, per-parcel score, bank exposure and exit read.

Big metro or rural, 33042 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 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.