ZIP 32321 Property Distress & Foreclosure Data

ZIP code 32321 in Liberty County, Florida carries a composite property-distress score of 12/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on institutional ownership (53/100), structural risk (25/100), mortgage stress (23/100). By contrast, structural risk (25/100) and mortgage stress (23/100) register low. The latent-versus-live split is 25/100 structural and 7/100 already moving. It additionally carries heavy environmental risk: FEMA disaster exposure (98/100).

The market reads neutral — home values rose 3.4% year on year, and 36% higher over three years (phase confidence 19/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 32321 scores 30/100. The ZIP holds roughly 2,277 housing units. Households earn a median $53,491 — below the roughly $78,000 national figure. About 16% have a four-year degree. Around 35% of renters are cost-burdened. The tenure split is 80% owner-occupied to 20% rented. A median home runs $148,600 here, or 2.4 times local income. About 5,792 people live here, median age 38. Roughly 22.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 23.9% — elevated.

Net-net, 32321 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.