ZIP 34120 Foreclosure, Tax-Lien & Distress Report
Collier County, Florida · High Vacancy market
ZIP 34120's composite property-distress score is 37/100 - DLRadar classes that as moderate for Collier County, Florida. The latent-versus-live split is 80/100 structural and 10/100 already moving. What sets it apart are the readings on structural risk (80/100), institutional ownership (74/100), construction/permit lag (47/100). mortgage stress (32/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (99/100), FEMA disaster exposure (99/100), flood (NFIP) exposure (92/100).
The market reads recovery — home values held roughly flat year on year, 1.3% off the recent peak, and 9% higher over three years, at 5/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.
The tenure split is 91% owner-occupied to 9% rented. Home values center near $495,600, an affordability ratio of 5.0×. On demographic stress specifically, 34120 scores 36/100. 8.9% of residents fall below the poverty threshold. The vacancy rate is 19.0% — elevated. Around 55% of renters are cost-burdened. The ZIP holds roughly 18,714 housing units. About 31% have a four-year degree. About 39,919 people live here, median age 44. Households earn a median $90,695 — above the roughly $78,000 national figure.
Net-net, 34120 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Inside the full report, DLRadar lists 3 distressed properties for 34120 — owner, address, APN, per-parcel score, bank exposure and exit read.
The number is not local guesswork: 34120's 37/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. 34120 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
34120's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 34120 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 34120’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 3 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 34120 distress snapshot
The live 34120 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Collier County ZIP reports
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Additional distress intelligence spanning Collier County, Florida by ZIP, county and state.
Open the complete 34120 acquisition file
The full 34120 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.
Deterministic. Every signal traces to a public dataset · methodology