ZIP 32410 Foreclosure, Tax-Lien & Distress Report

In Bay County, Florida, ZIP 32410 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. The split runs 78/100 structural to 9/100 active on the ground. Its heaviest discrete signals: structural risk (78/100), institutional ownership (68/100), construction/permit lag (65/100). mortgage stress (29/100) stay muted. Environmental exposure also runs high (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, at 28/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The typical home is worth about $460,900 (5.8× income). 6.0% of residents fall below the poverty threshold. 73% of housing is owner-occupied. Educational attainment sits at 31% bachelor's-or-above. Vacancy runs 65.2%, above the national norm and a classic distress-and-opportunity signal. At $63,125, median income runs below typical U.S. levels. There are about 703 housing units across 32410. The demographic-stress sub-score lands at 40/100. Population is roughly 499 with a median age of 55. Around 35% of renters are cost-burdened.

Taken together, 32410 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 32410 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 32410 runs through one identical public-record model, so its 36/100 sits on the same scale as every other ZIP in Bay County, Florida and the nation. Every figure is auditable to a public dataset and refreshed on ingest; 32410 shows blanks, not estimates, wherever the record is sparse.

The 36/100 for 32410 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 32410 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.