ZIP 32563 Property Distress & Foreclosure Data

Composite property distress in 32563 (Santa Rosa County, Florida) lands at 35/100 — moderate on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (77/100), institutional ownership (71/100), construction/permit lag (54/100). mortgage stress (27/100) stay muted. The latent-versus-live split is 77/100 structural and 8/100 already moving. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (90/100), flood (NFIP) exposure (80/100).

Prices here sit in a peak phase: values rose 1.7% over the trailing year, 2.0% off the recent peak, and 9% higher over three years (phase confidence 26/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 36% of renters are cost-burdened. 6.4% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 28/100. Educational attainment sits at 40% bachelor's-or-above. Median household income is $97,139, above the U.S. median near $78,000. Home values center near $388,000, an affordability ratio of 3.7× — accessible. Owners hold 81% of homes, renters 19%. 29,672 residents call 32563 home, typically aged 43. The vacancy rate is 11.3% — elevated. The ZIP holds roughly 13,121 housing units.

Overall, 32563 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.