ZIP 39854 Foreclosure, Tax-Lien & Distress Report
Clay County, Georgia · High Vacancy market
ZIP code 39854 in Clay County, Georgia carries a composite property-distress score of 8/100 — a minimal reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (65/100). Latent structural risk is 16/100 while live distress already moving reads 6/100. The pressure is most legible in institutional ownership (36/100), mortgage stress (22/100), structural risk (16/100). By contrast, mortgage stress (22/100) and structural risk (16/100) register low.
Prices here sit in a peak phase: values rose 1.3% over the trailing year, at 18/100 phase confidence. Topping markets hide individual distress behind strong averages.
Owners hold 83% of homes, renters 17%. DLRadar's demographic-stress index for the area reads 30/100. 2,295 residents call 39854 home, typically aged 60. Around 22% of renters are cost-burdened. At $40,972, median income runs below typical U.S. levels. Home values center near $102,700, an affordability ratio of 2.5× — accessible. Around 8% of adults hold a bachelor's degree or higher. The vacancy rate is 46.2% — elevated. Roughly 18.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. There are about 1,930 housing units across 39854.
Taken together, 39854 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 39854 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.
The number is not local guesswork: 39854's 8/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 39854, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
39854's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 39854 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.
Distress signal breakdown — ZIP 39854
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 39854 Stress Report snapshot
39854 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Other Clay County ZIP codes
Related reports across Clay County, Georgia
Additional distress intelligence spanning Clay County, Georgia by ZIP, county and state.
Open the complete 39854 acquisition file
Open 39854 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Deterministic. Every signal traces to a public dataset · methodology