ZIP 32439 Foreclosure, Tax-Lien & Distress Report

Walton County, Florida's ZIP 32439 registers 35/100 composite distress, which DLRadar reads as moderate. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (88/100), flood (NFIP) exposure (79/100). Structurally it carries 76/100, against 10/100 of stress already in motion. The sharpest non-environmental signals are structural risk (76/100), institutional ownership (70/100), construction/permit lag (55/100). By contrast, mortgage stress (32/100) register low.

Prices here sit in a neutral phase: values rose 4.9% over the trailing year, and 8% higher over three years (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $77,500, median income runs near typical U.S. levels. 7.8% of residents fall below the poverty threshold. The vacancy rate is 12.5% — elevated. Educational attainment sits at 30% bachelor's-or-above. Around 31% of renters are cost-burdened. 74% of housing is owner-occupied. A median home runs $385,300 here, or 4.4 times local income. 15,264 residents call 32439 home, typically aged 39. On demographic stress specifically, 32439 scores 31/100. The ZIP holds roughly 6,749 housing units.

Net-net, 32439 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.

No ZIP is too small to score: 32439 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 32439, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 35/100 figure for 32439 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 32439 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.