ZIP 34604 Property Distress & Foreclosure Data

In Hernando County, Florida, ZIP 34604 scores 37 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), flood (NFIP) exposure (91/100), climate & FEMA risk (87/100). On the structural side it scores 82/100, with 8/100 of stress already active. Its standout signals are structural risk (82/100), institutional ownership (74/100), construction/permit lag (70/100). By contrast, mortgage stress (28/100) register low.

The market reads peak — home values held roughly flat year on year, and 14% higher over three years (phase confidence 19/100). Topping markets hide individual distress behind strong averages.

Roughly 9.2% live below the poverty line. About 19% have a four-year degree. Households earn a median $85,111 — near the roughly $78,000 national figure. Around 34% of renters are cost-burdened. The tenure split is 91% owner-occupied to 9% rented. A median home runs $305,500 here, or 3.2 times local income. On demographic stress specifically, 34604 scores 27/100. The vacancy rate is 7.1%. About 13,964 people live here, median age 44. The ZIP holds roughly 4,990 housing units.

Net-net, 34604 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. DLRadar currently tracks 17 individual distressed properties in 34604, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.