ZIP 32413 Property Distress & Foreclosure Data

DLRadar grades ZIP 32413 (Bay County, Florida) at a moderate 36/100 for overall property distress. Property-level stress concentrates in 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). The latent-versus-live split is 78/100 structural and 9/100 already moving.

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 (phase confidence 31/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $76,010, near the U.S. median near $78,000. The ZIP holds roughly 16,908 housing units. Educational attainment sits at 34% bachelor's-or-above. Around 39% of renters are cost-burdened. The vacancy rate is 53.6% — elevated. 15,214 residents call 32413 home, typically aged 53. Home values center near $441,300, an affordability ratio of 5.0×. DLRadar's demographic-stress index for the area reads 38/100. 8.8% of residents fall below the poverty threshold. Owners hold 70% of homes, renters 30%.

Taken together, 32413 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.