ZIP 34986 Foreclosure, Tax-Lien & Distress Report

ZIP code 34986 in St Lucie County, Florida carries a composite property-distress score of 37/100 — a moderate reading on DLRadar's deterministic public-record index. Latent structural risk is 81/100 while live distress already moving reads 8/100. Property-level stress concentrates in construction/permit lag (83/100), structural risk (81/100), institutional ownership (64/100). By contrast, mortgage stress (26/100) register low. Environmental exposure also runs high (climate & FEMA risk (96/100), FEMA disaster exposure (94/100), flood (NFIP) exposure (61/100)).

The contraction-phase market in 34986 posted values that fell 0.7% over the year, and 4% higher over three years, at 24/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Owners hold 86% of homes, renters 14%. The demographic-stress sub-score lands at 27/100. The ZIP holds roughly 14,964 housing units. 3.8% of residents fall below the poverty threshold. About 29,713 people live here, median age 54. Rent burden reaches 21% of tenant households. Vacancy runs 15.1%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 35% bachelor's-or-above. Home values center near $408,800, an affordability ratio of 4.3×. Median household income is $85,842, near the U.S. median near $78,000.

Taken together, 34986 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 34986 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 34986 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 34986 stays directly comparable to neighboring ZIPs and the rest of St Lucie County, Florida. The score is rebuilt from public data as it updates, so 34986 reflects the current record instead of a stale or modeled snapshot.

The 37/100 figure for 34986 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, 34986 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.