ZIP 32413 Foreclosure, Tax-Lien & Distress Report
Bay County, Florida · High Vacancy market
ZIP code 32413 in Bay County, Florida carries a composite property-distress score of 36/100 — a moderate reading on DLRadar's deterministic distress index. What sets it apart are the readings on structural risk (79/100), institutional ownership (71/100), construction/permit lag (61/100). On the quiet end sit mortgage stress (29/100). Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (94/100), flood (NFIP) exposure (76/100)). Structural exposure scores 79 and live distress 9 on the 0–100 scale.
The neutral-phase market in 32413 posted values that rose 3.8% over the year, and 7% higher over three years (phase confidence 29/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.
Median household income is $76,010, near the U.S. median near $78,000. The ZIP holds roughly 16,908 housing units. Around 34% of adults hold a bachelor's degree or higher. Rent burden reaches 39% of tenant households. Vacancy runs 53.6%, above the national norm and a classic distress-and-opportunity signal. 15,214 residents call 32413 home, typically aged 53. The typical home is worth about $441,300 (5.0× income). On demographic stress specifically, 32413 scores 38/100. The poverty rate is 8.8%. The tenure split is 70% owner-occupied to 30% rented.
Net-net, 32413 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 32413 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
Big metro or rural, 32413 runs through one identical scoring model, so its 36/100 sits on the same scale as every other ZIP in Bay County, Florida and the nation. Sparse data for 32413 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 36/100 for 32413 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 an operator, 32413 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 32413 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
32413 at a glance
The live 32413 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Bay County ZIP reports
Nearest ZIP codes to 32413
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Further distress data across Bay County, Florida at ZIP, county and state level.
Unlock parcel-level detail for ZIP 32413
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Deterministic. Every signal traces to a public dataset · methodology