ZIP 32536 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 32536 (Okaloosa County, Florida) returns a moderate composite of 37/100. Property-level stress concentrates in structural risk (64/100), institutional ownership (57/100), construction/permit lag (51/100). Latent structural risk is 64/100 while live distress already moving reads 32/100. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (93/100).

The market reads neutral — home values rose 4.9% year on year, and 6% higher over three years (phase confidence 38/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

At $82,643, median income runs near typical U.S. levels. Educational attainment sits at 27% bachelor's-or-above. 70% of housing is owner-occupied. The typical home is worth about $305,800 (3.4× income, relatively affordable). Around 39% of renters are cost-burdened. Population is roughly 24,859 with a median age of 34. There are about 9,812 housing units across 32536. On demographic stress specifically, 32536 scores 29/100. The poverty rate is 8.4%. The vacancy rate is 5.8%.

Overall, 32536 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Inside the full report, DLRadar lists 148 distressed properties for 32536 — owner, address, APN, per-parcel score, bank exposure and exit read.

Whether 32536 runs hot or quiet, its 37/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 32536 can be compared directly against any other ZIP in Okaloosa County, Florida or nationwide. Sparse data for 32536 shows as blanks, never estimates, and the score updates on every fresh public filing.

32536's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 32536 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.