ZIP 32578 Foreclosure, Tax-Lien & Distress Report

In Okaloosa County, Florida, ZIP 32578 scores 38 of 100 for composite distress, a moderate level on DLRadar's distress index. The most distinctive pressure shows up in institutional ownership (71/100), structural risk (71/100), mortgage stress (40/100). By contrast, foreclosure activity (36/100) and construction/permit lag (29/100) register low. Climate and flood risk are elevated too — FEMA disaster exposure (98/100), climate & FEMA risk (93/100), flood (NFIP) exposure (83/100). The split runs 71/100 structural to 28/100 active on the ground.

The neutral-phase market in 32578 posted values that rose 4.9% over the year, and 11% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 7.9%. The poverty rate is 7.2% — low. At $105,858, median income runs above typical U.S. levels. Around 40% of renters are cost-burdened. Educational attainment sits at 45% bachelor's-or-above. There are about 14,956 housing units across 32578. The typical home is worth about $447,700 (3.9× income, relatively affordable). 78% of housing is owner-occupied. The demographic-stress sub-score lands at 28/100. Population is roughly 33,948 with a median age of 43.

On balance 32578 is mixed, rewarding parcel-by-parcel screening over broad assumptions. DLRadar currently tracks 1 individual distressed properties in 32578, each with owner, address, APN, a per-property distress score, bank-exposure read and exit-velocity estimate.

Big metro or rural, 32578 runs through one identical scoring model, so its 38/100 sits on the same scale as every other ZIP in Okaloosa County, Florida and the nation. Nothing here is interpolated — where a source is thin for 32578, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 38/100 for 32578 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 32578 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.