ZIP 32564 Foreclosure, Tax-Lien & Distress Report

Santa Rosa County, Florida's ZIP 32564 registers 34/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: FEMA disaster exposure (99/100), climate & FEMA risk (91/100), flood (NFIP) exposure (81/100). What sets it apart are the readings on structural risk (72/100), institutional ownership (71/100), construction/permit lag (33/100). By contrast, mortgage stress (28/100) and foreclosure activity (7/100) register low. Structural risk reads 72/100 against active distress of 12/100.

The peak-phase market in 32564 posted values that rose 2.6% over the year, and 40% higher over three years, at 14/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 1,958 with a median age of 48. The typical home is worth about $162,800 (1.8× income, relatively affordable). The ZIP holds roughly 1,196 housing units. The vacancy rate is 4.2%. The demographic-stress sub-score lands at 32/100. Households earn a median $68,170 — below the roughly $78,000 national figure. Around 13% of adults hold a bachelor's degree or higher. Around 90% of renters are cost-burdened. Owners hold 78% of homes, renters 22%. 9.2% of residents fall below the poverty threshold.

Overall, 32564 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 32564 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 32564 runs through one identical scoring model, so its 34/100 sits on the same scale as every other ZIP in Santa Rosa County, Florida and the nation. The score is rebuilt from public data as it updates, so 32564 reflects the current record instead of a stale or modeled snapshot.

32564'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 32564 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.