ZIP 32548 Foreclosure, Tax-Lien & Distress Report

In Okaloosa County, Florida, ZIP 32548 scores 39 of 100 for composite distress, a moderate level on DLRadar's distress index. On the structural side it scores 71/100, with 32/100 of stress already active. Leading the profile are institutional ownership (71/100), structural risk (71/100), foreclosure activity (43/100). construction/permit lag (27/100) stay muted. It additionally carries heavy environmental risk: FEMA disaster exposure (98/100), climate & FEMA risk (93/100), flood (NFIP) exposure (83/100).

The market reads neutral — home values rose 4.9% year on year, and 5% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

23,209 residents call 32548 home, typically aged 40. The vacancy rate is 28.0% — elevated. 57% of housing is owner-occupied. About 31% have a four-year degree. Median household income is $63,857, below the U.S. median near $78,000. Around 42% of renters are cost-burdened. Home values center near $321,200, an affordability ratio of 4.6×. There are about 14,293 housing units across 32548. The poverty rate is 14.8%. The demographic-stress sub-score lands at 37/100.

Taken together, 32548 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Inside the full report, DLRadar lists 29 distressed properties for 32548 — owner, address, APN, per-parcel score, bank exposure and exit read.

The 32548 read uses the identical scoring model applied coast to coast, which means its 39/100 score means exactly what it means anywhere else, and 32548 stays directly comparable to neighboring ZIPs and the rest of Okaloosa County, Florida. 32548 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

32548'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 32548 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.