ZIP 32409 Property Distress & Foreclosure Data

DLRadar grades ZIP 32409 (Bay County, Florida) at a moderate 36/100 for overall property distress. Structural risk reads 78/100 against active distress of 9/100. Property-level stress concentrates in structural risk (78/100), institutional ownership (68/100), construction/permit lag (67/100). On the quiet end sit mortgage stress (29/100). Environmental exposure also runs high (FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100)).

The neutral-phase market in 32409 posted values that rose 4.9% over the year, 1.2% off the recent peak, and 17% higher over three years, at 31/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Population is roughly 10,941 with a median age of 44. 92% of housing is owner-occupied. There are about 4,522 housing units across 32409. Rent burden reaches 38% of tenant households. At $60,687, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 31/100. The typical home is worth about $275,700 (3.6× income, relatively affordable). Around 24% of adults hold a bachelor's degree or higher. Vacancy runs 11.3%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 17.9% — high, a tax-stress and distress correlate.

On balance 32409 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.