ZIP 32439 Property Distress & Foreclosure Data

ZIP code 32439 in Walton County, Florida carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (FEMA disaster exposure (97/100), climate & FEMA risk (88/100)). The latent-versus-live split is 75/100 structural and 10/100 already moving. What sets it apart are the readings on structural risk (75/100), construction/permit lag (67/100), institutional ownership (66/100). On the quiet end sit mortgage stress (32/100).

The neutral-phase market in 32439 posted values that rose 4.2% over the year, and 8% higher over three years (phase confidence 30/100). 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. The poverty rate is 7.8%. The vacancy rate is 12.5% — elevated. Around 30% of adults hold a bachelor's degree or higher. Around 31% of renters are cost-burdened. 74% of housing is owner-occupied. The typical home is worth about $385,300 (4.4× income). Population is roughly 15,264 with a median age of 39. The demographic-stress sub-score lands at 31/100. The ZIP holds roughly 6,749 housing units.

On the whole, 32439 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.