For black holes formed by collapsing stars, the body of the star itself exists in this zone so far as outside observers are concerned. In fact, as seen from a distance, the surface of the star is 'frozen' just outside the event horizon a few million million millionths of a centimeter from the horizon where the relativistic Doppler factor is enormous.

Mathematically, for black holes old enough that the stellar material has collapsed all the way into the singularity, the region between the horizon and the singularity is occupied by a spacetime where the time and space coordinates are reversed from those of the outside world. What this means in terms of what you experience is unknown. Other more complex conditions can occur of the black hole is rotating. In that case the singularity becomes a ring around the center of the black hole. You can pass through the center, but the tidal gravitational field would be lethal in all likelyhood. In nearly all cases there would be gravitational radiation rattling about, and this would cause distortions in spacetime that would probably lead to spectacular optical distortions.

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