ZIP 32404 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 32404 (Bay County, Florida) returns a moderate composite of 36/100. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100). Structural risk reads 78/100 against active distress of 9/100. Leading the profile are structural risk (78/100), institutional ownership (68/100), construction/permit lag (65/100). By contrast, mortgage stress (29/100) register low.

Prices here sit in a neutral phase: values rose 3.8% over the trailing year, and 9% higher over three years (phase confidence 28/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $72,208, near the U.S. median near $78,000. 73% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 30/100. Rent burden reaches 39% of tenant households. 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. A median home runs $273,500 here, or 3.3 times local income. Population is roughly 42,117 with a median age of 38.

Net-net, 32404 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. DLRadar currently tracks 3 individual distressed properties in 32404, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Big metro or rural, 32404 runs through one identical public-record model, so its 36/100 sits on the same scale as every other ZIP in Bay County, Florida and the nation. Where the public record is thin for 32404, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 32404 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 36/100 roll-up. For a buyer, 32404 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.