ZIP 32407 Property Distress & Foreclosure Data

ZIP code 32407 in Bay County, Florida carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic public-record index. Structural exposure scores 78 and live distress 9 on the 0–100 scale. What sets it apart are the readings on structural risk (78/100), institutional ownership (68/100), construction/permit lag (67/100). 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 4.9% over the trailing year, 1.2% off the recent peak, and 7% higher over three years, at 31/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

15,459 residents call 32407 home, typically aged 39. Home values center near $404,200, an affordability ratio of 5.1×. 6.0% of residents fall below the poverty threshold. Vacancy runs 45.6%, above the national norm and a classic distress-and-opportunity signal. Educational attainment sits at 40% bachelor's-or-above. There are about 12,275 housing units across 32407. Owners hold 61% of homes, renters 39%. Rent burden reaches 48% of tenant households. Median household income is $79,052, near the U.S. median near $78,000. DLRadar's demographic-stress index for the area reads 39/100.

Taken together, 32407 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.