ZIP 32404 Property Distress & Foreclosure Data

DLRadar grades ZIP 32404 (Bay County, Florida) at a moderate 36/100 for overall property distress. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100). On the structural side it scores 78/100, with 9/100 of stress already active. Property-level stress concentrates in structural risk (78/100), institutional ownership (68/100), construction/permit lag (67/100). mortgage stress (29/100) stay muted.

Prices here sit in a neutral phase: values rose 4.9% over the trailing year, 1.2% off the recent peak, and 9% higher over three years (phase confidence 31/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $72,208, near the U.S. median near $78,000. Owners hold 73% of homes, renters 27%. DLRadar's demographic-stress index for the area reads 30/100. Around 39% of renters are cost-burdened. 9.5% of residents fall below the poverty threshold. Educational attainment sits at 21% bachelor's-or-above. The ZIP holds roughly 17,934 housing units. The vacancy rate is 12.5% — elevated. Home values center near $273,500, an affordability ratio of 3.3× — accessible. 42,117 residents call 32404 home, typically aged 38.

Taken together, 32404 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.