ZIP 34428 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 34428 in Citrus County, Florida comes in at 37, a moderate composite-distress reading. Property-level stress concentrates in structural risk (82/100), institutional ownership (74/100), construction/permit lag (62/100). By contrast, mortgage stress (29/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), flood (NFIP) exposure (94/100), climate & FEMA risk (93/100). Structural risk reads 82/100 against active distress of 9/100.

The market reads expansion — home values rose 5.0% year on year, and 8% higher over three years (phase confidence 53/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Roughly 24.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Rent burden reaches 57% of tenant households. At $48,185, median income runs below typical U.S. levels. The tenure split is 75% owner-occupied to 25% rented. The ZIP holds roughly 5,362 housing units. The demographic-stress sub-score lands at 40/100. Home values center near $260,200, an affordability ratio of 4.9×. Vacancy runs 14.4%, above the national norm and a classic distress-and-opportunity signal. About 20% have a four-year degree. 9,325 residents call 34428 home, typically aged 55.

Net-net, 34428 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 7 individual distressed properties in 34428, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Because one deterministic model scores every ZIP, 34428's 37/100 can be lined up against any neighbor in Citrus County, Florida or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 34428, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

34428's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 34428 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.