ZIP 32444 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 32444 (Bay County, Florida) lands at 36/100 — moderate on DLRadar's distress scoring. The sharpest non-environmental signals are structural risk (79/100), institutional ownership (71/100), construction/permit lag (61/100). mortgage stress (29/100) stay muted. Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (94/100), flood (NFIP) exposure (76/100)). Structurally it carries 79/100, against 9/100 of stress already in motion.

Prices here sit in a neutral phase: values rose 3.8% over the trailing year, and 15% higher over three years (phase confidence 29/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $89,508 — above the roughly $78,000 national figure. Rent burden reaches 42% of tenant households. Vacancy runs 11.1%. DLRadar's demographic-stress index for the area reads 29/100. About 32% have a four-year degree. Population is roughly 20,102 with a median age of 38. There are about 9,224 housing units across 32444. A median home runs $331,000 here, or 3.3 times local income. 7.8% of residents fall below the poverty threshold. The tenure split is 70% owner-occupied to 30% rented.

On balance 32444 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Big metro or rural, 32444 runs through one identical scoring model, so its 36/100 sits on the same scale as every other ZIP in Bay County, Florida and the nation. The score is rebuilt from public data as it updates, so 32444 reflects the current record instead of a stale or modeled snapshot.

Behind 32444'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 32444 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.