ZIP 32438 Foreclosure, Tax-Lien & Distress Report
Bay County, Florida · High Poverty market
Bay County, Florida's ZIP 32438 registers 34/100 composite distress, which DLRadar reads as moderate. The latent-versus-live split is 73/100 structural and 9/100 already moving. Leading the profile are structural risk (73/100), institutional ownership (69/100), construction/permit lag (65/100). By contrast, mortgage stress (30/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), climate & FEMA risk (84/100).
Prices here sit in a neutral phase: values rose 3.8% over the trailing year (phase confidence 25/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.
About 4,839 people live here, median age 42. Home values center near $153,700, an affordability ratio of 3.0× — accessible. 85% of housing is owner-occupied. Around 12% of adults hold a bachelor's degree or higher. Rent burden reaches 37% of tenant households. Vacancy runs 10.3%. The ZIP holds roughly 2,035 housing units. 29.3% of residents fall below the poverty threshold. At $42,417, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 32/100.
Net-net, 32438 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Whether 32438 runs hot or quiet, its 34/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32438 can be compared directly against any other ZIP in Bay County, Florida or nationwide. 32438 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Behind 32438's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 32438 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 32438 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
32438 at a glance
Live ZIP-level distress, market-phase, housing and bank-pressure read — the same report attached to every property.
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Built from public records, scored the same way everywhere · methodology