ZIP 39851 Property Distress & Foreclosure Data

ZIP code 39851 in Clay County, Georgia carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (73/100). What sets it apart are the readings on institutional ownership (39/100), construction/permit lag (28/100), structural risk (24/100). By contrast, structural risk (24/100) and mortgage stress (21/100) register low. Structural risk reads 24/100 against active distress of 6/100.

The market reads peak — home values rose 4.0% year on year, at 30/100 phase confidence. Topping markets hide individual distress behind strong averages.

There are about 1,465 housing units across 39851. Home values center near $95,500, an affordability ratio of 2.2× — accessible. Rent burden reaches 39% of tenant households. 24.4% of residents fall below the poverty threshold. Vacancy runs 39.5%, above the national norm and a classic distress-and-opportunity signal. Median household income is $45,417, below the U.S. median near $78,000. Owners hold 71% of homes, renters 29%. Educational attainment sits at 25% bachelor's-or-above. About 1,919 people live here, median age 48. DLRadar's demographic-stress index for the area reads 32/100.

Net-net, 39851 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.