ZIP 32407 Foreclosure, Tax-Lien & Distress Report
Bay County, Florida · High Vacancy market
DLRadar grades ZIP 32407 (Bay County, Florida) at a moderate 36/100 for overall property distress. Structurally it carries 78/100, against 9/100 of stress already in motion. Leading the profile are structural risk (78/100), institutional ownership (68/100), construction/permit lag (65/100). mortgage stress (29/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100).
Prices here sit in a neutral phase: values rose 3.8% over the trailing year, and 7% higher over three years, at 28/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.
About 15,459 people live here, median age 39. Home values center near $404,200, an affordability ratio of 5.1×. Roughly 6.0% live below the poverty line, a low share typical of higher-equity areas. Vacancy runs 45.6%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 40% bachelor's-or-above. The ZIP holds roughly 12,275 housing units. 61% of housing is owner-occupied. Around 48% of renters are cost-burdened. At $79,052, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 39/100.
On the whole, 32407 leans distressed, with opportunity clustered in specific stressed parcels. DLRadar currently tracks 1 individual distressed properties in 32407, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.
Whether 32407 runs hot or quiet, its 36/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32407 can be compared directly against any other ZIP in Bay County, Florida or nationwide. Nothing here is interpolated — where a source is thin for 32407, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
The 36/100 for 32407 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 32407 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.
ZIP 32407 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 1 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 32407 by the numbers
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
Adjacent Bay County ZIP reports
Related reports across Bay County, Florida
Additional distress intelligence spanning Bay County, Florida by ZIP, county and state.
The complete 32407 distress and acquisition report
Open 32407 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Rules-based scoring — each signal ties to a public dataset · methodology