ZIP 32531 Property Distress & Foreclosure Data

Composite property distress in 32531 (Okaloosa County, Florida) lands at 36/100 — moderate on DLRadar's public-record scoring. Structural exposure scores 70 and live distress 19 on the 0–100 scale. It additionally carries heavy environmental risk: FEMA disaster exposure (97/100), climate & FEMA risk (93/100). The sharpest non-environmental signals are structural risk (70/100), construction/permit lag (68/100), institutional ownership (58/100). By contrast, mortgage stress (33/100) and foreclosure activity (21/100) register low.

The market reads peak — home values rose 3.9% year on year, and 19% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

A median home runs $321,000 here, or 3.6 times local income. The tenure split is 84% owner-occupied to 16% rented. About 7,445 people live here, median age 45. Households earn a median $81,313 — near the roughly $78,000 national figure. Vacancy runs 9.2%. About 24% have a four-year degree. On demographic stress specifically, 32531 scores 30/100. Rent burden reaches 45% of tenant households. There are about 3,257 housing units across 32531. Roughly 8.7% live below the poverty line.

Net-net, 32531 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Inside the full report, DLRadar lists 370 distressed properties for 32531 — owner, address, APN, per-parcel score, bank exposure and exit read.