Predictive Risk Analysis

Foreclosure Distress Score

Multi-signal prediction engine scoring 564 South Florida zip codes for foreclosure risk. Powered by Census, Federal Reserve, and county recorder data.

Avg Metro Score

High Risk

Elevated

123

Moderate

382

Low Risk

Signal Weights

25%

Mortgage Cost Burden

Census: monthly costs as % of income

25%

Lis Pendens Rate

Foreclosure filings per 1,000 properties

10%

Investor Ownership

Non-owner-occupied ratio

10%

Code Violations

Building violations per 1,000

10%

LLC Transfer Rate

Non-market transfers per 1,000

10%

Unemployment (FRED)

Miami MSA from Federal Reserve

10%

30yr Mortgage Rate (FRED)

National rate from Federal Reserve

High Risk Zip Codes

Score 60+ — multiple converging distress signals

33136

HIGH RISK

Cost Burden 31.4%

Median Mortgage $1,412/mo

Median Mortgage $3,298/mo

Home Value $536K

Elevated Risk Zip Codes

Score 40-60 — above-average distress indicators

33316

ELEVATED

Cost Burden 35.7%

Median Mortgage $3,636/mo

33069

ELEVATED

Cost Burden 33.1%

Median Mortgage $1,639/mo

33019

ELEVATED

Cost Burden 32.0%

Median Mortgage $3,414/mo

33063

ELEVATED

Cost Burden 30.8%

Median Mortgage $1,796/mo

33130

ELEVATED

Cost Burden 26.9%

Median Mortgage $2,689/mo

33322

ELEVATED

Cost Burden 30.9%

Median Mortgage $1,815/mo

33131

ELEVATED

Cost Burden 20.9%

Median Mortgage $3,454/mo

33020

ELEVATED

Cost Burden 27.5%

Median Mortgage $1,866/mo

33304

ELEVATED

Cost Burden 22.2%

Median Mortgage $3,241/mo

33315

ELEVATED

Cost Burden 22.7%

Median Mortgage $2,615/mo

33301

ELEVATED

Cost Burden 23.6%

Median Mortgage $3,630/mo

33004

ELEVATED

Cost Burden 29.2%

Median Mortgage $1,946/mo

All Zip Codes Ranked

564 zips sorted by composite risk score

#	Zip	Score	Risk	Burden	Mortgage	Value
1	33136	68	HIGH	31.4%	$1,412	$290,500
2	33132	68	HIGH	30.1%	$3,298	$535,900
3	33316	58	ELEVATED	35.7%	$3,636	$736,400
4	33069	58	ELEVATED	33.1%	$1,639	$231,100
5	33019	56	ELEVATED	32.0%	$3,414	$607,400
6	33063	55	ELEVATED	30.8%	$1,796	$246,900
7	33130	55	ELEVATED	26.9%	$2,689	$436,000
8	33322	54	ELEVATED	30.9%	$1,815	$238,500
9	33131	53	ELEVATED	20.9%	$3,454	$599,100
10	33020	50	ELEVATED	27.5%	$1,866	$278,100
11	33304	50	ELEVATED	22.2%	$3,241	$543,500
12	33315	50	ELEVATED	22.7%	$2,615	$416,900
13	33301	50	ELEVATED	23.6%	$3,630	$701,800
14	33004	49	ELEVATED	29.2%	$1,946	$278,100
15	33311	49	ELEVATED	28.8%	$1,684	$246,600
16	33314	49	ELEVATED	24.5%	$1,996	$285,400
17	33060	49	ELEVATED	25.1%	$2,120	$324,500
18	33334	49	ELEVATED	27.4%	$2,130	$404,600
19	33062	49	ELEVATED	29.6%	$2,724	$465,000
20	33309	49	ELEVATED	27.8%	$1,880	$273,600
21	33441	49	ELEVATED	27.4%	$2,018	$335,600
22	33308	49	ELEVATED	24.7%	$2,839	$489,800
23	33312	49	ELEVATED	26.4%	$1,989	$361,800
24	33305	49	ELEVATED	21.6%	$2,812	$479,000
25	33064	48	ELEVATED	26.9%	$1,803	$274,000
26	33065	48	ELEVATED	25.6%	$2,026	$373,400
27	33325	48	ELEVATED	24.0%	$2,308	$380,000
28	33021	48	ELEVATED	25.0%	$2,381	$365,400
29	33023	48	ELEVATED	26.5%	$1,883	$315,100
30	33068	48	ELEVATED	29.1%	$1,786	$248,500
31	33326	48	ELEVATED	22.7%	$2,676	$474,100
32	33351	48	ELEVATED	27.1%	$1,890	$311,500
33	33442	48	ELEVATED	29.9%	$1,905	$202,400
34	33009	47	ELEVATED	27.2%	$1,682	$237,100
35	33027	47	ELEVATED	25.2%	$2,501	$371,200
36	33323	47	ELEVATED	25.1%	$2,381	$417,700
37	33024	47	ELEVATED	24.8%	$1,905	$338,200
38	33317	47	ELEVATED	25.9%	$2,282	$406,200
39	33324	47	ELEVATED	24.9%	$2,154	$313,500
40	33330	47	ELEVATED	23.7%	$3,216	$646,000
41	33331	47	ELEVATED	22.2%	$2,889	$620,200
42	33071	47	ELEVATED	24.9%	$2,659	$470,800
43	33328	47	ELEVATED	23.2%	$2,668	$476,100
44	33076	47	ELEVATED	24.6%	$3,600	$676,100
45	33313	47	ELEVATED	29.7%	$1,638	$220,400
46	33319	47	ELEVATED	27.6%	$1,661	$210,500
47	33026	47	ELEVATED	24.8%	$2,146	$361,500
48	33029	47	ELEVATED	21.2%	$2,763	$500,100
49	33321	47	ELEVATED	29.2%	$1,809	$236,800
50	33025	47	ELEVATED	24.5%	$1,963	$311,300

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Methodology

The Distress Risk Score combines seven signals into a weighted 0-100 composite. Property signals (70%): Census ACS mortgage cost burden, lis pendens filing rate, investor ownership ratio, code violation density, and non-market transfer activity. Economic signals (30%): Miami MSA unemployment rate and national 30-year mortgage rate from FRED.

Risk levels: HIGH (60+) = multiple converging stress factors. ELEVATED (40-60) = above-average risk. MODERATE (20-40) = baseline. LOW (<20) = stable. Scores update daily from cached computations.

This model is designed for investor research and does not guarantee future foreclosure activity. Data sources: Census ACS 2022, Federal Reserve FRED, Broward County Clerk, Miami-Dade Property Appraiser.

Access distress scores via API

Per-zip and per-property risk scores for your investment tools.

API Docs → View Foreclosures →