ZIP 32565 Property Distress & Foreclosure Data

ZIP code 32565 in Santa Rosa County, Florida carries a composite property-distress score of 35/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (77/100), institutional ownership (71/100), construction/permit lag (54/100). On the quiet end sit mortgage stress (27/100). On the structural side it scores 77/100, with 8/100 of stress already active. Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (90/100), flood (NFIP) exposure (80/100)).

The peak-phase market in 32565 posted values that rose 1.7% over the year, 2.0% off the recent peak, and 11% higher over three years (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 25% of renters are cost-burdened. Population is roughly 5,653 with a median age of 40. The poverty rate is 13.7%. The vacancy rate is 19.2% — elevated. At $76,838, median income runs near typical U.S. levels. 80% of housing is owner-occupied. Around 19% of adults hold a bachelor's degree or higher. The ZIP holds roughly 2,543 housing units. The demographic-stress sub-score lands at 28/100. The typical home is worth about $239,500 (2.8× income, relatively affordable).

On the whole, 32565 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.