ZIP 32539 Property Distress & Foreclosure Data

In Okaloosa County, Florida, ZIP 32539 scores 37 of 100 for composite distress, a moderate level on DLRadar's public-record index. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (92/100). Its standout signals are construction/permit lag (70/100), structural risk (70/100), institutional ownership (58/100). mortgage stress (37/100) and foreclosure activity (29/100) stay muted. Structural exposure scores 70 and live distress 24 on the 0–100 scale.

Prices here sit in a neutral phase: values rose 4.2% over the trailing year, and 4% higher over three years, at 30/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

33,150 residents call 32539 home, typically aged 36. Owners hold 79% of homes, renters 21%. There are about 12,813 housing units across 32539. Vacancy runs 9.1%. 8.4% of residents fall below the poverty threshold. Median household income is $72,521, near the U.S. median near $78,000. Educational attainment sits at 24% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 29/100. Home values center near $286,200, an affordability ratio of 3.8× — accessible. Rent burden reaches 31% of tenant households.

Overall, 32539 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Inside the full report, DLRadar lists 347 distressed properties for 32539 — owner, address, APN, per-parcel score, bank exposure and exit read.