ZIP 32408 Property Distress & Foreclosure Data

In Bay County, Florida, ZIP 32408 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100). On the structural side it scores 78/100, with 9/100 of stress already active. Its standout signals are structural risk (78/100), institutional ownership (68/100), construction/permit lag (67/100). By contrast, mortgage stress (29/100) register low.

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

The vacancy rate is 47.4% — elevated. Around 43% of renters are cost-burdened. The tenure split is 68% owner-occupied to 32% rented. About 39% have a four-year degree. Roughly 8.8% live below the poverty line. About 18,326 people live here, median age 48. Households earn a median $72,322 — near the roughly $78,000 national figure. A median home runs $382,300 here, or 4.9 times local income. On demographic stress specifically, 32408 scores 37/100. The ZIP holds roughly 17,531 housing units.

Net-net, 32408 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.