ZIP 34609 Foreclosure, Tax-Lien & Distress Report

In Hernando County, Florida, ZIP 34609 scores 38 of 100 for composite distress, a moderate level on DLRadar's distress index. Structurally it carries 86/100, against 8/100 of stress already in motion. The sharpest non-environmental signals are structural risk (86/100), construction/permit lag (80/100), institutional ownership (75/100). mortgage stress (28/100) stay muted. Environmental exposure also runs high (flood (NFIP) exposure (99/100), FEMA disaster exposure (99/100), climate & FEMA risk (87/100)).

The market reads peak — home values rose 0.6% year on year, and 5% higher over three years (phase confidence 6/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 83% of homes, renters 17%. The demographic-stress sub-score lands at 29/100. The vacancy rate is 7.4%. The poverty rate is 9.3%. Home values center near $317,200, an affordability ratio of 3.5× — accessible. Around 41% of renters are cost-burdened. Population is roughly 46,066 with a median age of 45. About 22% have a four-year degree. The ZIP holds roughly 18,853 housing units. At $79,284, median income runs near typical U.S. levels.

On balance 34609 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 34609 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 38/100 composite is a like-for-like number rather than an isolated estimate. 34609 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 38/100 figure for 34609 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 34609 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.