ZIP 32569 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 32569 in Okaloosa County, Florida comes in at 39, a moderate composite-distress reading. Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (93/100), flood (NFIP) exposure (83/100)). Structural exposure scores 71 and live distress 32 on the 0–100 scale. The sharpest non-environmental signals are institutional ownership (71/100), structural risk (71/100), foreclosure activity (43/100). By contrast, construction/permit lag (27/100) register low.

The neutral-phase market in 32569 posted values that rose 4.9% over the year, and 13% higher over three years, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

The poverty rate is 6.0% — low. About 12,643 people live here, median age 36. 68% of housing is owner-occupied. Educational attainment sits at 40% bachelor's-or-above. Households earn a median $73,762 — near the roughly $78,000 national figure. A median home runs $326,000 here, or 4.0 times local income. Rent burden reaches 33% of tenant households. The demographic-stress sub-score lands at 29/100. The ZIP holds roughly 5,723 housing units. The vacancy rate is 10.0%.

Net-net, 32569 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Inside the full report, DLRadar lists 19 distressed properties for 32569 — owner, address, APN, per-parcel score, bank exposure and exit read.

The number is not local guesswork: 32569's 39/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 32569 reflects the current record instead of a stale or modeled snapshot.

The 39/100 figure for 32569 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. Practically, 32569 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.