ZIP 32444 Property Distress & Foreclosure Data

In Bay County, Florida, ZIP 32444 scores 36 of 100 for composite distress, a moderate level on DLRadar's public-record index. Its standout signals are structural risk (78/100), institutional ownership (68/100), construction/permit lag (67/100). By contrast, mortgage stress (29/100) register low. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), climate & FEMA risk (94/100), flood (NFIP) exposure (66/100). On the structural side it scores 78/100, with 9/100 of stress already active.

The market reads neutral — home values rose 4.9% year on year, 1.2% off the recent peak, and 15% higher over three years (phase confidence 31/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Households earn a median $89,508 — above the roughly $78,000 national figure. Around 42% of renters are cost-burdened. The vacancy rate is 11.1%. On demographic stress specifically, 32444 scores 29/100. About 32% have a four-year degree. About 20,102 people live here, median age 38. The ZIP holds roughly 9,224 housing units. A median home runs $331,000 here, or 3.3 times local income. Roughly 7.8% live below the poverty line. The tenure split is 70% owner-occupied to 30% rented.

Net-net, 32444 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. DLRadar currently tracks 20 individual distressed properties in 32444, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.