ZIP 34654 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 34654 (Pasco County, Florida) lands at 35/100 — moderate on DLRadar's distress scoring. Environmental exposure also runs high (flood (NFIP) exposure (99/100), FEMA disaster exposure (99/100), climate & FEMA risk (96/100)). Its heaviest discrete signals: structural risk (77/100), institutional ownership (76/100), construction/permit lag (33/100). construction/permit lag (33/100) and mortgage stress (29/100) stay muted. Latent structural risk is 77/100 while live distress already moving reads 9/100.

The market reads peak — home values rose 0.6% year on year, and 9% higher over three years (phase confidence 6/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 9.9%. Around 22% of adults hold a bachelor's degree or higher. About 24,357 people live here, median age 44. DLRadar's demographic-stress index for the area reads 32/100. There are about 10,124 housing units across 34654. Roughly 14.9% live below the poverty line. Home values center near $307,200, an affordability ratio of 4.0×. Around 34% of renters are cost-burdened. The tenure split is 78% owner-occupied to 22% rented. Median household income is $64,210, below the U.S. median near $78,000.

On balance 34654 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 34654 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 34654 runs through one identical scoring model, so its 35/100 sits on the same scale as every other ZIP in Pasco County, Florida and the nation. Nothing here is interpolated — where a source is thin for 34654, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 35/100 figure for 34654 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. For a buyer, 34654 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.