ZIP 34638 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 34638 (Pasco County, Florida) returns a moderate composite of 36/100. Structurally it carries 78/100, against 9/100 of stress already in motion. The sharpest non-environmental signals are structural risk (78/100), institutional ownership (75/100), construction/permit lag (40/100). By contrast, mortgage stress (29/100) register low. Environmental exposure also runs high (FEMA disaster exposure (99/100), flood (NFIP) exposure (97/100), climate & FEMA risk (96/100)).

Prices here sit in a peak phase: values rose 0.6% over the trailing year, and 30% higher over three years (phase confidence 6/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 83% owner-occupied to 17% rented. Rent burden reaches 42% of tenant households. 35,900 residents call 34638 home, typically aged 38. DLRadar's demographic-stress index for the area reads 27/100. Home values center near $433,600, an affordability ratio of 3.2× — accessible. At $117,931, median income runs above typical U.S. levels. Vacancy runs 5.3%. The ZIP holds roughly 12,712 housing units. The poverty rate is 6.5% — low. Educational attainment sits at 42% bachelor's-or-above.

Net-net, 34638 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. DLRadar currently tracks 3 individual distressed properties in 34638, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

The 34638 read uses the identical public-record model applied coast to coast, which means its 36/100 score means exactly what it means anywhere else, and 34638 stays directly comparable to neighboring ZIPs and the rest of Pasco County, Florida. Every figure is auditable to a public dataset and refreshed on ingest; 34638 shows blanks, not estimates, wherever the record is sparse.

34638's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 34638 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.