ZIP 32563 Foreclosure, Tax-Lien & Distress Report

In Santa Rosa County, Florida, ZIP 32563 scores 34 of 100 for composite distress, a moderate level on DLRadar's public-record index. The most distinctive pressure shows up in structural risk (74/100), institutional ownership (71/100), construction/permit lag (45/100). On the quiet end sit mortgage stress (27/100). The latent-versus-live split is 74/100 structural and 8/100 already moving. Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (90/100), flood (NFIP) exposure (80/100)).

The market reads peak — home values held roughly flat year on year, and 9% higher over three years (phase confidence 15/100). Topping markets hide individual distress behind strong averages.

Around 36% of renters are cost-burdened. Roughly 6.4% live below the poverty line, a low share typical of higher-equity areas. The demographic-stress sub-score lands at 28/100. Around 40% of adults hold a bachelor's degree or higher. At $97,139, median income runs above typical U.S. levels. A median home runs $388,000 here, or 3.7 times local income. The tenure split is 81% owner-occupied to 19% rented. 29,672 residents call 32563 home, typically aged 43. Vacancy runs 11.3%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 13,121 housing units.

Net-net, 32563 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Inside the full report, DLRadar lists 12 distressed properties for 32563 — owner, address, APN, per-parcel score, bank exposure and exit read.

Because one deterministic model scores every ZIP, 32563's 34/100 can be lined up against any neighbor in Santa Rosa County, Florida or any ZIP coast to coast. Sparse data for 32563 shows as blanks, never estimates, and the score updates on every fresh public filing.

32563's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Treat 32563 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.