ZIP 32461 Foreclosure, Tax-Lien & Distress Report
Walton County, Florida · High Vacancy market
Composite property distress in 32461 (Walton County, Florida) lands at 33/100 — moderate on DLRadar's public-record scoring. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), climate & FEMA risk (88/100). Property-level stress concentrates in structural risk (72/100), institutional ownership (65/100), construction/permit lag (57/100). mortgage stress (32/100) stay muted. Structural exposure scores 72 and live distress 10 on the 0–100 scale.
The neutral-phase market in 32461 posted values that rose 4.9% over the year (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
Owners hold 86% of homes, renters 14%. The vacancy rate is 73.3% — elevated. Population is roughly 3,517 with a median age of 58. There are about 6,145 housing units across 32461. Home values center near $1,095,100, an affordability ratio of 6.5×. Around 32% of renters are cost-burdened. Roughly 5.3% live below the poverty line, a low share typical of higher-equity areas. At $146,393, median income runs above typical U.S. levels. The demographic-stress sub-score lands at 38/100. Educational attainment sits at 59% bachelor's-or-above.
On the whole, 32461 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 32461 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 32461's 33/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 32461, the field stays empty rather than modeled, and fills in as new documents post.
The 33/100 figure for 32461 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. The point of the 32461 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
Distress signal breakdown — ZIP 32461
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 32461 by the numbers
The live 32461 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Walton County ZIP reports
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