ZIP 33881 Foreclosure, Tax-Lien & Distress Report

In Polk County, Florida, ZIP 33881 scores 39 of 100 for composite distress, a moderate level on DLRadar's distress index. Property-level stress concentrates in structural risk (87/100), institutional ownership (74/100), construction/permit lag (74/100). mortgage stress (28/100) stay muted. On the structural side it scores 87/100, with 8/100 of stress already active. Climate and flood risk are elevated too — flood (NFIP) exposure (98/100), FEMA disaster exposure (98/100), climate & FEMA risk (96/100).

The market reads recovery — home values rose 1.9% year on year, 2.2% off the recent peak, and 2% lower over three years (phase confidence 27/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $53,867, below the U.S. median near $78,000. Roughly 17.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. 70% of housing is owner-occupied. Around 18% of adults hold a bachelor's degree or higher. Around 53% of renters are cost-burdened. About 39,189 people live here, median age 44. DLRadar's demographic-stress index for the area reads 35/100. Vacancy runs 17.0%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 17,920 housing units. Home values center near $194,700, an affordability ratio of 3.3× — accessible.

Net-net, 33881 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 33881 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 33881 runs hot or quiet, its 39/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 33881 can be compared directly against any other ZIP in Polk County, Florida or nationwide. Sparse data for 33881 shows as blanks, never estimates, and the score updates on every fresh public filing.

33881'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 a buyer, 33881 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.