ZIP 32536 Property Distress & Foreclosure Data

Composite property distress in 32536 (Okaloosa County, Florida) lands at 39/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are construction/permit lag (71/100), structural risk (69/100), institutional ownership (57/100). On the structural side it scores 69/100, with 32/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (93/100).

Prices here sit in a neutral phase: values rose 4.2% over the trailing year, and 6% higher over three years (phase confidence 30/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $82,643, near the U.S. median near $78,000. Educational attainment sits at 27% bachelor's-or-above. Owners hold 70% of homes, renters 30%. Home values center near $305,800, an affordability ratio of 3.4× — accessible. Around 39% of renters are cost-burdened. 24,859 residents call 32536 home, typically aged 34. The ZIP holds roughly 9,812 housing units. DLRadar's demographic-stress index for the area reads 29/100. 8.4% of residents fall below the poverty threshold. The vacancy rate is 5.8%.

Overall, 32536 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. DLRadar currently tracks 117 individual distressed properties in 32536, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.