ZIP 33813 Foreclosure, Tax-Lien & Distress Report

In Polk County, Florida, ZIP 33813 scores 38 of 100 for composite distress, a moderate level on DLRadar's public-record index. Structurally it carries 83/100, against 8/100 of stress already in motion. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (96/100), flood (NFIP) exposure (73/100). What sets it apart are the readings on structural risk (83/100), construction/permit lag (77/100), institutional ownership (69/100). On the quiet end sit mortgage stress (28/100).

Prices here sit in a recovery phase: values rose 1.9% over the trailing year, 2.2% off the recent peak, and 10% higher over three years (phase confidence 27/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

38,112 residents call 33813 home, typically aged 40. Households earn a median $96,723 — above the roughly $78,000 national figure. There are about 14,918 housing units across 33813. Owners hold 77% of homes, renters 23%. Around 42% of renters are cost-burdened. On demographic stress specifically, 33813 scores 28/100. The vacancy rate is 5.5%. 8.1% of residents fall below the poverty threshold. The typical home is worth about $366,300 (3.4× income, relatively affordable). Educational attainment sits at 39% bachelor's-or-above.

Net-net, 33813 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. DLRadar currently tracks 2 individual distressed properties in 33813, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Big metro or rural, 33813 runs through one identical public-record model, so its 38/100 sits on the same scale as every other ZIP in Polk County, Florida and the nation. The score is rebuilt from public data as it updates, so 33813 reflects the current record instead of a stale or modeled snapshot.

Each component behind 33813 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 38/100 roll-up. For a buyer, 33813 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.