ZIP 32401 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 32401 in Bay County, Florida comes in at 36, a moderate composite-distress reading. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100). Its standout signals are structural risk (78/100), institutional ownership (68/100), construction/permit lag (65/100). On the quiet end sit mortgage stress (29/100). On the structural side it scores 78/100, with 9/100 of stress already active.

The market reads neutral — home values rose 3.8% year on year, and 12% higher over three years, at 28/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

18,394 residents call 32401 home, typically aged 43. Home values center near $230,500, an affordability ratio of 4.2×. The tenure split is 59% owner-occupied to 41% rented. The vacancy rate is 14.3% — elevated. Rent burden reaches 52% of tenant households. The demographic-stress sub-score lands at 37/100. Roughly 16.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Around 20% of adults hold a bachelor's degree or higher. The ZIP holds roughly 10,522 housing units. Median household income is $49,901, below the U.S. median near $78,000.

Taken together, 32401 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. DLRadar currently tracks 4 individual distressed properties in 32401, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

No ZIP is too small to score: 32401 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 36/100 composite is a like-for-like number rather than an isolated estimate. 32401 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Behind 32401's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 32401 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.