ZIP 32405 Property Distress & Foreclosure Data

Composite property distress in 32405 (Bay County, Florida) lands at 36/100 — moderate on DLRadar's public-record scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100). The sharpest non-environmental signals are structural risk (78/100), institutional ownership (68/100), construction/permit lag (67/100). By contrast, mortgage stress (29/100) register low. Structural risk reads 78/100 against active distress of 9/100.

The market reads neutral — home values rose 4.9% year on year, 1.2% off the recent peak, and 8% higher over three years, at 31/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

A median home runs $279,900 here, or 3.6 times local income. The tenure split is 60% owner-occupied to 40% rented. About 29,336 people live here, median age 37. About 29% have a four-year degree. Households earn a median $71,002 — near the roughly $78,000 national figure. There are about 13,711 housing units across 32405. Vacancy runs 10.2%. Roughly 14.7% live below the poverty line. Rent burden reaches 39% of tenant households. On demographic stress specifically, 32405 scores 32/100.

Net-net, 32405 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.