ZIP 34109 Foreclosure, Tax-Lien & Distress Report
Collier County, Florida · High Vacancy market
ZIP code 34109 in Collier County, Florida carries a composite property-distress score of 37/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (99/100), FEMA disaster exposure (99/100), flood (NFIP) exposure (92/100)). On the structural side it scores 80/100, with 10/100 of stress already active. The pressure is most legible in structural risk (80/100), institutional ownership (74/100), construction/permit lag (47/100). mortgage stress (32/100) stay muted.
Prices here sit in a recovery phase: values held roughly flat over the trailing year, 1.3% off the recent peak, and 28% higher over three years, at 5/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
There are about 16,342 housing units across 34109. Roughly 10.4% live below the poverty line. Owners hold 68% of homes, renters 32%. The typical home is worth about $667,700 (6.9× income). Rent burden reaches 58% of tenant households. 26,644 residents call 34109 home, typically aged 56. Households earn a median $91,073 — above the roughly $78,000 national figure. The demographic-stress sub-score lands at 42/100. Around 50% of adults hold a bachelor's degree or higher. The vacancy rate is 25.2% — elevated.
On the whole, 34109 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 34109 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Whether 34109 runs hot or quiet, its 37/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 34109 can be compared directly against any other ZIP in Collier County, Florida or nationwide. Sparse data for 34109 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 37/100 figure for 34109 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. In workflow terms, 34109 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
Signal-by-signal read on 34109
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 34109 Stress Report snapshot
The live 34109 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Keep exploring Florida distress
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Unlock the full ZIP 34109 acquisition report
The full 34109 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology