ZIP 34102 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 34102 (Collier County, Florida) lands at 37/100 — moderate on DLRadar's public-record scoring. Environmental exposure also runs high (climate & FEMA risk (99/100), FEMA disaster exposure (99/100), flood (NFIP) exposure (92/100)). What sets it apart are the readings on structural risk (80/100), institutional ownership (74/100), construction/permit lag (47/100). By contrast, mortgage stress (32/100) register low. On the structural side it scores 80/100, with 10/100 of stress already active.

Prices here sit in a recovery phase: values held roughly flat over the trailing year, 1.3% off the recent peak, and 39% higher over three years (phase confidence 5/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

10,804 residents call 34102 home, typically aged 66. Rent burden reaches 51% of tenant households. A median home runs $2,000,000 here, or 12.3 times local income. 75% of housing is owner-occupied. The vacancy rate is 44.5% — elevated. At $115,927, median income runs above typical U.S. levels. The ZIP holds roughly 9,984 housing units. 11.3% of residents fall below the poverty threshold. About 58% have a four-year degree. The demographic-stress sub-score lands at 51/100.

Net-net, 34102 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 2 individual distressed properties in 34102, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

No ZIP is too small to score: 34102 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 37/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 34102, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 37/100 figure for 34102 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 34102 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.