Walton County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Walton County, FL distress report, 2026: 13 ZIPs scored in Walton, FL, Walton, FL average 34/100; the top Walton, FL ZIP is 32539 at 38/100; Walton, FL market phase neutral, Walton, FL prices +4.9% year over year.
- Walton, FL ranks #127 nationally (opportunity index); Walton, FL #18 in Florida; Walton, FL index 36.6.
- Walton, FL: no CFPB county sample; Walton, FL metro area reading 1.0%.
- Walton, FL ZIP phases: 12 neutral, 1 peak.
- Walton, FL residential listings tracked: 147 across 7 ZIPs; Walton, FL candidate listings 76.
- Walton, FL HUD assisted properties: 2 with 312 units.
- Walton, FL lenders on watch: 3; largest Walton, FL footprint Pnb Community Bank (2 branches).
- Walton, FL most distressed ZIP: 32539 at 38/100.
Walton, FL figures: DLRadar distress index; Walton, FL inputs: CFPB, FHFA, HUD, FDIC; Walton, FL rebuilt as sources refresh.
| Rank | Walton, FL ZIP | Score |
|---|---|---|
| 1 | 32539 | 38/100 |
| 2 | 32578 | 38/100 |
| 3 | 32413 | 36/100 |
| 4 | 32567 | 36/100 |
| 5 | 32433 | 35/100 |
| 6 | 32435 | 35/100 |
| 7 | 32439 | 35/100 |
| 8 | 32459 | 35/100 |
| 9 | 32461 | 35/100 |
| 10 | 32550 | 35/100 |
| 11 | 32455 | 31/100 |
| 12 | 32462 | 26/100 |
Most distressed Walton, FL ZIPs (0-100, 2026)
Mortgage delinquency around Walton, FL
No CFPB county sample covers Walton, FL; the metro area reading for Walton, FL (Crestview-Fort Walton Beach-Destin, FL): 1.0% ninety-plus; Walton, FL area thirty-to-eighty-nine 1.8% (December 2025, Walton, FL); Florida overall 1.2%.
Opportunity index: Walton, FL
Walton, FL index 36.6, Walton, FL phase strong_buy; Walton, FL primary driver vacancy, Walton, FL second driver bank institutional. Walton, FL components: property stress 32.2, foreclosure pressure 31.5, listing discounts 39.4, bank stress 55.2, insurance 0.0; Walton, FL pulse 40.2; Walton, FL capital opportunity 31.2.
ZIP market phases inside Walton, FL
13 Walton, FL ZIPs carry a price-cycle phase; Walton, FL ZIPs by phase (Walton, FL), deepest drawdown first: neutral, +3.8% YoY, 0.5% off peak (Walton, FL): 32413; neutral, +4.0% YoY, 0.4% off peak (Walton, FL): 32462; neutral, +4.9% YoY (Walton, FL): 32433, 32435, 32439, 32459, Walton, FL 32461, 32539, 32550, 32567, Walton, FL 32578; neutral, +4.6% YoY (Walton, FL): 32455; peak, +4.0% YoY (Walton, FL): 32464.
Residential listings by Walton, FL ZIP
Walton, FL ZIPs with the most tracked Walton, FL residential listings: 32459 39 listings, 23 candidates, bank pressure 60; 32433 34 listings, 19 candidates, bank pressure 60; 32439 21 listings, 10 candidates, bank pressure 60; 32435 19 listings, 8 candidates, bank pressure 60 (Walton, FL); 32550 19 listings, 11 candidates, bank pressure 60; 32461 8 listings, 2 candidates, bank pressure 60; 32455 7 listings, 3 candidates, bank pressure 61. Walton, FL totals: 147 listings; Walton, FL candidates 76; active ZIPs 0.
HUD assisted housing in Walton, FL
2 assisted properties with 312 units sit in Walton, FL; largest Walton, FL properties: Latitude At Hammock Bay Apartments (Freeport) 232 units; Arbours At Shoemaker Place (Defuniak Springs) 80 units.
Lenders with branches in Walton, FL
Walton, FL lenders by branch count: Pnb Community Bank (Walton, FL): stress 69, 2 branches low in Walton, FL; Fnbt Bank (Walton, FL): stress 56, 2 branches low in Walton, FL; Capital City Bank (Walton, FL): stress 54, 2 branches low in Walton, FL.
Vacancy and permits, Walton, FL
26,910 of 61,272 Walton, FL housing units are vacant; Walton, FL permits, twelve months: 456 multifamily units in Walton, FL, 1,781 one-to-four unit units.
Work Walton, FL at the parcel level
Every Walton, FL parcel carries owner and address; every Walton, FL parcel carries APN; Walton, FL distress scores sit on the Walton, FL live board; Walton, FL lead lists by signal.
Walton, FL figures refresh with each source.
Walton, FL questions
Most distressed ZIP code in Walton County, FL?
ZIP 32539 leads Walton, FL at 38/100; next in Walton, FL: 32578 at 38/100; the Walton, FL average is 34/100.
Where does Walton County, FL rank for investment opportunity?
Walton, FL is #127 among all ranked counties, #18 in Florida; the Walton, FL driver is vacancy; Walton, FL moved up 124 places.
How many mortgages are delinquent in Walton County, FL?
Walton, FL takes the metro area reading of 1.0% for December 2025; no CFPB county sample covers Walton, FL.
Which banks lend in Walton County, FL?
3 watched lenders hold Walton, FL branches; the largest Walton, FL footprints are Pnb Community Bank (2), Fnbt Bank (2), Capital City Bank (2).
More on Walton, FL
Walton County, FL distress report: public-record figures for Walton, FL; not legal advice for Walton, FL; not tax or investment advice; verify every Walton, FL record before acting.