ZIP 34446 Foreclosure, Tax-Lien & Distress Report

In Citrus County, Florida, ZIP 34446 scores 37 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (82/100), institutional ownership (74/100), construction/permit lag (62/100). On the quiet end sit mortgage stress (29/100). Latent structural risk is 82/100 while live distress already moving reads 9/100. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), flood (NFIP) exposure (94/100), climate & FEMA risk (93/100).

Prices here sit in a expansion phase: values rose 5.0% over the trailing year, and 40% higher over three years (phase confidence 53/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $60,625, below the U.S. median near $78,000. The ZIP holds roughly 9,926 housing units. 13.7% of residents fall below the poverty threshold. Educational attainment sits at 18% bachelor's-or-above. Around 34% of renters are cost-burdened. The tenure split is 94% owner-occupied to 6% rented. The vacancy rate is 10.7%. DLRadar's demographic-stress index for the area reads 29/100. Population is roughly 18,797 with a median age of 61. Home values center near $256,500, an affordability ratio of 3.8× — accessible.

On balance 34446 is mixed, rewarding parcel-by-parcel screening over broad assumptions. DLRadar currently tracks 106 individual distressed properties in 34446, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

The 34446 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 34446 stays directly comparable to neighboring ZIPs and the rest of Citrus County, Florida. Nothing here is interpolated — where a source is thin for 34446, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

34446'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, 34446 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.