ZIP 32539 Foreclosure, Tax-Lien & Distress Report

ZIP 32539's composite property-distress score is 38/100 - DLRadar classes that as moderate for Okaloosa County, Florida. Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (92/100), flood (NFIP) exposure (83/100)). Leading the profile are structural risk (72/100), institutional ownership (71/100), mortgage stress (37/100). construction/permit lag (33/100) and foreclosure activity (29/100) stay muted. Structural exposure scores 72 and live distress 24 on the 0–100 scale.

The market reads neutral — home values rose 4.9% year on year, and 4% higher over three years (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

33,150 residents call 32539 home, typically aged 36. The tenure split is 79% owner-occupied to 21% rented. The ZIP holds roughly 12,813 housing units. Vacancy runs 9.1%. The poverty rate is 8.4%. At $72,521, median income runs near typical U.S. levels. Educational attainment sits at 24% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 29/100. The typical home is worth about $286,200 (3.8× income, relatively affordable). Around 31% of renters are cost-burdened.

On balance 32539 is mixed, rewarding parcel-by-parcel screening over broad assumptions. DLRadar currently tracks 3 individual distressed properties in 32539, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

The number is not local guesswork: 32539's 38/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 32539 reflects the current record instead of a stale or modeled snapshot.

Each component behind 32539 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 38/100 roll-up. For an operator, 32539 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.