ZIP 33823 Foreclosure, Tax-Lien & Distress Report

ZIP code 33823 in Polk County, Florida carries a composite property-distress score of 39/100 — a moderate reading on DLRadar's deterministic distress index. Its heaviest discrete signals: structural risk (87/100), institutional ownership (74/100), construction/permit lag (74/100). On the quiet end sit mortgage stress (28/100). Structural risk reads 87/100 against active distress of 8/100. Environmental exposure also runs high (flood (NFIP) exposure (98/100), FEMA disaster exposure (98/100), climate & FEMA risk (96/100)).

Prices here sit in a recovery phase: values rose 1.9% over the trailing year, 2.2% off the recent peak, and 12% higher over three years, at 27/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 16,726 housing units across 33823. Rent burden reaches 46% of tenant households. 15.0% of residents fall below the poverty threshold. Home values center near $256,900, an affordability ratio of 3.6× — accessible. Owners hold 71% of homes, renters 29%. About 17% have a four-year degree. The demographic-stress sub-score lands at 34/100. The vacancy rate is 12.2% — elevated. Households earn a median $64,248 — below the roughly $78,000 national figure. 39,146 residents call 33823 home, typically aged 41.

Net-net, 33823 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 33823 runs through one identical scoring model, so its 39/100 sits on the same scale as every other ZIP in Polk County, Florida and the nation. Where the record is thin for 33823, the field stays empty rather than modeled, and fills in as new documents post.

33823'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. For an operator, 33823 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.