ZIP 33812 Property Distress & Foreclosure Data

In Polk County, Florida, ZIP 33812 scores 37 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (82/100), construction/permit lag (75/100), institutional ownership (70/100). By contrast, mortgage stress (28/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (96/100), flood (NFIP) exposure (73/100). On the structural side it scores 82/100, with 8/100 of stress already active.

The market reads contraction — home values fell 0.9% year on year, and 2% higher over three years (phase confidence 21/100). A cooling market tends to open discount-to-value windows.

Households earn a median $100,569 — above the roughly $78,000 national figure. The tenure split is 79% owner-occupied to 21% rented. Roughly 3.1% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 33812 scores 25/100. About 36% have a four-year degree. About 14,836 people live here, median age 39. Around 21% of renters are cost-burdened. The vacancy rate is 11.7% — elevated. The ZIP holds roughly 5,783 housing units. A median home runs $373,700 here, or 3.3 times local income.

Net-net, 33812 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 1 individual distressed properties in 33812, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.