ZIP 34109 Property Distress & Foreclosure Data

In Collier County, Florida, ZIP 34109 scores 52 of 100 for composite distress, a high level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), FEMA disaster exposure (99/100), flood (NFIP) exposure (92/100). On the structural side it scores 87/100, with 10/100 of stress already active. Its standout signals are structural risk (87/100), institutional ownership (74/100), construction/permit lag (73/100). By contrast, mortgage stress (32/100) and price dislocation (25/100) register low.

The market reads contraction — home values fell 3.9% year on year, 3.9% off the recent peak, and 28% higher over three years (phase confidence 72/100). A cooling market tends to open discount-to-value windows.

The ZIP holds roughly 16,342 housing units. Roughly 10.4% live below the poverty line. The tenure split is 68% owner-occupied to 32% rented. A median home runs $667,700 here, or 6.9 times local income. Around 58% of renters are cost-burdened. About 26,644 people live here, median age 56. Households earn a median $91,073 — above the roughly $78,000 national figure. On demographic stress specifically, 34109 scores 42/100. About 50% have a four-year degree. The vacancy rate is 25.2% — elevated.

Net-net, 34109 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.