Oak Hammock Eviction Risk: Moderate

Severe burden reaches 36%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears. The 2 tracts inside this boundary do not behave alike. Individual scores run 3.2 to 5.4, a 2.2-point gap wide enough that the area average misleads on any specific address.

The main counterweight is eviction-process difficulty, at 1.7/10. Running cool is supply constraint, at 2/10. Filings are well documented here: 200 across 2 observed tracts.

The poverty rate is 16%, which shows up in this model as reduced rent-recovery odds after a judgment. Filing activity peaked in 2017 at 8.4% of renter households. At $1,218 a month, rents sit 10% under what the rest of DeLand commands.

The most recent observed rate, 4.9% in 2018, is well off that peak. Social vulnerability runs high at 7.5/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input. Annual rent works out to 26% of average household income of $56,911.

32% of occupied units are renter-occupied.

Underwrite the address, not the area: with 2.2 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.