ZIP 34108 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 34108 (Collier County, Florida) returns a moderate composite of 37/100. It additionally carries heavy environmental risk: 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. The latent-versus-live split is 80/100 structural and 10/100 already moving.

The market reads recovery — home values held roughly flat year on year, 1.3% off the recent peak, and 9% higher over three years (phase confidence 5/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The vacancy rate is 44.4% — elevated. 86% of housing is owner-occupied. Home values center near $1,022,000, an affordability ratio of 8.1× — stretched. Rent burden reaches 39% of tenant households. The poverty rate is 5.1% — low. Educational attainment sits at 62% bachelor's-or-above. The ZIP holds roughly 15,215 housing units. The demographic-stress sub-score lands at 41/100. About 16,549 people live here, median age 68. Median household income is $120,187, above the U.S. median near $78,000.

Net-net, 34108 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 34108 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 34108 read uses the identical public-record model applied coast to coast, which means its 37/100 score means exactly what it means anywhere else, and 34108 stays directly comparable to neighboring ZIPs and the rest of Collier County, Florida. 34108 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 34108 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 37/100 roll-up. For an operator, 34108 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.