ZIP 32405 Foreclosure, Tax-Lien & Distress Report
Bay County, Florida · Distress market
On DLRadar's 0-100 distress scale, ZIP 32405 in Bay County, Florida comes in at 36, a moderate composite-distress reading. Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (94/100), flood (NFIP) exposure (76/100)). Its heaviest discrete signals: structural risk (79/100), institutional ownership (71/100), construction/permit lag (61/100). mortgage stress (29/100) stay muted. The latent-versus-live split is 79/100 structural and 9/100 already moving.
The market reads neutral — home values rose 3.8% year on year, and 8% higher over three years (phase confidence 29/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The typical home is worth about $279,900 (3.6× income, relatively affordable). Owners hold 60% of homes, renters 40%. About 29,336 people live here, median age 37. Around 29% of adults hold a bachelor's degree or higher. Median household income is $71,002, near the U.S. median near $78,000. The ZIP holds roughly 13,711 housing units. Vacancy runs 10.2%. Roughly 14.7% live below the poverty line. Rent burden reaches 39% of tenant households. DLRadar's demographic-stress index for the area reads 32/100.
On balance 32405 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Big metro or rural, 32405 runs through one identical scoring model, so its 36/100 sits on the same scale as every other ZIP in Bay County, Florida and the nation. The score is rebuilt from public data as it updates, so 32405 reflects the current record instead of a stale or modeled snapshot.
32405's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 32405 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 32405’s distress
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 32405 by the numbers
The live 32405 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
More ZIPs across Bay County
Nearest ZIP codes to 32405
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to Bay County, Florida — ZIP, county and statewide.
The complete 32405 distress and acquisition report
See who owns each distressed property in 32405, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Lead lists for Bay County
Rules-based scoring — each signal ties to a public dataset · methodology