ZIP 32435 Foreclosure, Tax-Lien & Distress Report

ZIP code 32435 in Walton County, Florida carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (88/100), flood (NFIP) exposure (79/100). The latent-versus-live split is 76/100 structural and 10/100 already moving. Leading the profile are structural risk (76/100), institutional ownership (70/100), construction/permit lag (55/100). On the quiet end sit mortgage stress (32/100).

The neutral-phase market in 32435 posted values that rose 4.9% over the year, and 15% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $63,017, median income runs below typical U.S. levels. The ZIP holds roughly 3,035 housing units. The poverty rate is 16.6% — high, a tax-stress and distress correlate. Around 52% of renters are cost-burdened. About 27% have a four-year degree. On demographic stress specifically, 32435 scores 31/100. Vacancy runs 11.4%, above the national norm and a classic distress-and-opportunity signal. Owners hold 83% of homes, renters 17%. A median home runs $224,800 here, or 3.0 times local income. Population is roughly 6,359 with a median age of 40.

On balance 32435 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 32435 at the moment; the composite and its components are still built from verifiable records.

No ZIP is too small to score: 32435 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 35/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 32435, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 32435 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 35/100 roll-up. Practically, 32435 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.