ZIP 32564 Property Distress & Foreclosure Data

Santa Rosa County, Florida's ZIP 32564 registers 35/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: FEMA disaster exposure (98/100), climate & FEMA risk (91/100). The most distinctive pressure shows up in structural risk (73/100), institutional ownership (64/100), construction/permit lag (61/100). By contrast, mortgage stress (28/100) and foreclosure activity (7/100) register low. Structural exposure scores 73 and live distress 12 on the 0–100 scale.

The market reads peak — home values rose 2.9% year on year, 1.0% off the recent peak, and 40% higher over three years, at 23/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 1,958 people live here, median age 48. A median home runs $162,800 here, or 1.8 times local income. There are about 1,196 housing units across 32564. Vacancy runs 4.2%. On demographic stress specifically, 32564 scores 32/100. Households earn a median $68,170 — below the roughly $78,000 national figure. About 13% have a four-year degree. Rent burden reaches 90% of tenant households. The tenure split is 78% owner-occupied to 22% rented. Roughly 9.2% live below the poverty line.

Net-net, 32564 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Inside the full report, DLRadar lists 116 distressed properties for 32564 — owner, address, APN, per-parcel score, bank exposure and exit read.