ZIP 34104 Foreclosure, Tax-Lien & Distress Report

ZIP code 34104 in Collier County, Florida carries a composite property-distress score of 37/100 — a moderate reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (99/100), FEMA disaster exposure (99/100), flood (NFIP) exposure (92/100). The sharpest non-environmental signals are structural risk (80/100), institutional ownership (74/100), construction/permit lag (47/100). mortgage stress (32/100) stay muted. Structurally it carries 80/100, against 10/100 of stress already in motion.

The recovery-phase market in 34104 posted values that held roughly flat over the year, 1.3% off the recent peak, and 25% higher over three years (phase confidence 5/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $375,700 here, or 5.0 times local income. The tenure split is 67% owner-occupied to 33% rented. 25,873 residents call 34104 home, typically aged 51. Vacancy runs 28.3%, above the national norm and a classic distress-and-opportunity signal. About 33% have a four-year degree. DLRadar's demographic-stress index for the area reads 39/100. Households earn a median $70,301 — near the roughly $78,000 national figure. Rent burden reaches 58% of tenant households. The ZIP holds roughly 16,089 housing units. 13.1% of residents fall below the poverty threshold.

Net-net, 34104 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 1 individual distressed properties in 34104, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

The number is not local guesswork: 34104's 37/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 34104, the field stays empty rather than modeled, and fills in as new documents post.

Behind 34104's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 34104 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.