Walton County, FL: Foreclosures, Tax Liens & Distressed Properties
Walton County, FL, Florida: 13 ZIP codes scored, Walton County, FL averaging 34/100 (moderate, Walton, FL), from 25 to 38. Walton County, FL is in its neutral phase (Walton, FL confidence 38/100): Walton, FL home prices up 4.9% (Walton, FL) over twelve months. Walton County, FL lender headwind: 33/100.
Highest-scoring Walton County, FL ZIPs: 32539 (38/100), 32578 (38/100), 32413 (36/100), 32567 (36/100), 32433 (35/100), 32435 (35/100). Also scored in Walton County, FL: 32439, 32459, 32461, 32550, 32455, 32462, 32464.
Across Walton County, FL's scored ZIPs: median home value $395,877, household income $81,728, 28.8% vacancy, 12.3% poverty, 80% owner-occupied, median age 44.7.
Walton County, FL insurance distress 91/100 (#95 in the US); FEMA hazard 98/100 for Walton, FL; 15 federal disaster declarations in Walton County, FL since 2023 (3 hurricane); 12 Walton, FL NFIP flood claims, $217K paid; Walton, FL construction distress 54/100.
20 banks with 38 branches lend in Walton County, FL; Walton, FL weighted bank stress 58/100, highest 96/100 in Walton, FL.
Walton County, FL unemployment 4.3% (Walton, FL -0.4 pts, six months); 2,237 new housing units permitted in Walton County, FL over twelve months, Walton, FL down 5% from 2,350; Walton, FL home prices +9.4% a year (Walton, FL) over three years.
61,272 housing units in Walton County, FL; 7,461 Walton, FL renter households; 51% of Walton, FL renters spend 30%+ of income on rent, 20% (Walton, FL) half or more.
Walton County, FL ranks #127 nationally on the opportunity index (Walton, FL, among all ranked counties); Walton, FL scores 36.6/100 and Walton, FL sits #18 inside Florida. Walton, FL is in the strong_buy opportunity phase; Walton, FL's primary driver is vacancy, Walton, FL second driver bank institutional; Walton, FL moved up 124 places. 39 short-sale listings across Walton, FL; 70 days on market observed in Walton, FL; 30.4% vacancy over 13 Walton, FL ZIPs.
No CFPB county sample covers Walton County, FL. The metro area reading for Walton, FL (Crestview-Fort Walton Beach-Destin, FL): 1.0% ninety-plus days late; Walton, FL's thirty-to-eighty-nine share is 1.8% (Walton, FL, December 2025 data); Florida overall 1.2%.
Walton County, FL has 3 watched banks; 3 Walton, FL banks sit in an elevated band. Walton, FL footprints: Pnb Community Bank (2 branches, stress 69) in Walton, FL; Fnbt Bank (2 branches, stress 56) in Walton, FL; Capital City Bank (2 branches, stress 54) in Walton, FL.
HUD lists 2 assisted multifamily properties in Walton County, FL with 312 units.
26,910 of the 61,272 housing units in Walton, FL sit vacant. Walton County, FL permitted 456 multifamily units in twelve months; Walton, FL's one-to-four unit structures added 1,781 units in Walton County, FL.