ZIP 32544 Property Distress & Foreclosure Data

DLRadar grades ZIP 32544 (Okaloosa County, Florida) at a moderate 39/100 for overall property distress. Structural risk reads 69/100 against active distress of 19/100. Property-level stress concentrates in construction/permit lag (71/100), structural risk (69/100), institutional ownership (57/100). Environmental exposure also runs high (FEMA disaster exposure (97/100), climate & FEMA risk (93/100)).

The neutral-phase market in 32544 posted values that rose 4.2% over the year, at 30/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Rent burden reaches 75% of tenant households. The demographic-stress sub-score lands at 44/100. Vacancy runs 10.7%. Around 43% of adults hold a bachelor's degree or higher. At $41,917, median income runs below typical U.S. levels. The poverty rate is 5.7% — low. There are about 583 housing units across 32544. Population is roughly 2,344 with a median age of 23. 0% of housing is owner-occupied.

On balance 32544 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

39/100
Composite stress
69/100
Structural risk
19/100
Distress activity

Distress signal breakdown — ZIP 32544

Foreclosure activity43
Mortgage stress0
Climate / FEMA risk93
+9 more distress dimensions scored for this ZIP

Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.

Nearby ZIPs in Okaloosa County

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Deterministic. Every signal traces to a public dataset · methodology