ZIP 32514 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 32514 (Escambia County, Florida) returns a moderate composite of 33/100. Environmental exposure also runs high (FEMA disaster exposure (97/100), climate & FEMA risk (95/100), flood (NFIP) exposure (68/100)). Structural risk reads 71/100 against active distress of 8/100. The most distinctive pressure shows up in structural risk (71/100), institutional ownership (67/100), construction/permit lag (37/100). construction/permit lag (37/100) and mortgage stress (27/100) stay muted.

The market reads peak — home values held roughly flat year on year, and 5% higher over three years (phase confidence 15/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $66,484, below the U.S. median near $78,000. Rent burden reaches 44% of tenant households. 13.8% of residents fall below the poverty threshold. Home values center near $259,600, an affordability ratio of 3.6× — accessible. The ZIP holds roughly 19,005 housing units. On demographic stress specifically, 32514 scores 33/100. Around 33% of adults hold a bachelor's degree or higher. The vacancy rate is 7.2%. 52% of housing is owner-occupied. About 43,072 people live here, median age 35.

Net-net, 32514 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 32514 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 32514 runs through one identical public-record model, so its 33/100 sits on the same scale as every other ZIP in Escambia County, Florida and the nation. Where the public record is thin for 32514, the field stays empty rather than modeled, and fills in as new documents post.

The 33/100 for 32514 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 32514 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.