ZIP 39854 Property Distress & Foreclosure Data

Composite property distress in 39854 (Clay County, Georgia) lands at 9/100 — minimal on DLRadar's public-record scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (73/100). On the structural side it scores 19/100, with 6/100 of stress already active. The sharpest non-environmental signals are institutional ownership (39/100), mortgage stress (22/100), structural risk (19/100). By contrast, structural risk (19/100) and construction/permit lag (8/100) register low.

The market reads peak — home values rose 3.0% year on year (phase confidence 25/100). 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. About 2,295 people live here, median age 60. Around 22% of renters are cost-burdened. Median household income is $40,972, below the U.S. median near $78,000. Home values center near $102,700, an affordability ratio of 2.5× — accessible. Educational attainment sits at 8% bachelor's-or-above. The vacancy rate is 46.2% — elevated. 18.7% of residents fall below the poverty threshold. The ZIP holds roughly 1,930 housing units.

Net-net, 39854 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.