ZIP 32541 Foreclosure, Tax-Lien & Distress Report

ZIP 32541's composite property-distress score is 37/100 - DLRadar classes that as moderate for Okaloosa County, Florida. Climate and flood risk are elevated too — FEMA disaster exposure (97/100), climate & FEMA risk (93/100). Structurally it carries 64/100, against 32/100 of stress already in motion. Its heaviest discrete signals: structural risk (64/100), institutional ownership (57/100), construction/permit lag (51/100).

The neutral-phase market in 32541 posted values that rose 4.9% over the year, and 12% higher over three years (phase confidence 38/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $93,004, median income runs above typical U.S. levels. Around 47% of renters are cost-burdened. The poverty rate is 7.2% — low. There are about 16,496 housing units across 32541. The vacancy rate is 49.0% — elevated. On demographic stress specifically, 32541 scores 38/100. The tenure split is 68% owner-occupied to 32% rented. 18,632 residents call 32541 home, typically aged 42. Educational attainment sits at 48% bachelor's-or-above. Home values center near $597,900, an affordability ratio of 5.4×.

Net-net, 32541 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Inside the full report, DLRadar lists 1 distressed properties for 32541 — owner, address, APN, per-parcel score, bank exposure and exit read.

Whether 32541 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 32541 can be compared directly against any other ZIP in Okaloosa County, Florida or nationwide. The score is rebuilt from public data as it updates, so 32541 reflects the current record instead of a stale or modeled snapshot.

32541's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 32541 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.