ZIP 32566 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 32566 (Santa Rosa County, Florida) lands at 33/100 — moderate on DLRadar's distress scoring. Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (90/100), flood (NFIP) exposure (79/100). Leading the profile are structural risk (72/100), institutional ownership (71/100), construction/permit lag (36/100). On the quiet end sit construction/permit lag (36/100) and mortgage stress (27/100). Structural exposure scores 72 and live distress 8 on the 0–100 scale.

The market reads peak — home values held roughly flat year on year, and 12% higher over three years, at 15/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 43,166 with a median age of 39. There are about 18,186 housing units across 32566. The typical home is worth about $385,100 (3.6× income, relatively affordable). Owners hold 82% of homes, renters 18%. The vacancy rate is 11.0%. Households earn a median $99,501 — above the roughly $78,000 national figure. 7.5% of residents fall below the poverty threshold. On demographic stress specifically, 32566 scores 29/100. Around 40% of renters are cost-burdened. Around 33% of adults hold a bachelor's degree or higher.

Overall, 32566 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.

The 32566 read uses the identical scoring model applied coast to coast, which means its 33/100 score means exactly what it means anywhere else, and 32566 stays directly comparable to neighboring ZIPs and the rest of Santa Rosa County, Florida. Where the record is thin for 32566, the field stays empty rather than modeled, and fills in as new documents post.

The 33/100 figure for 32566 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. In workflow terms, 32566 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.