ZIP 32580 Foreclosure, Tax-Lien & Distress Report

In Okaloosa County, Florida, ZIP 32580 scores 39 of 100 for composite distress, a moderate level on DLRadar's distress index. Structural exposure scores 71 and live distress 32 on the 0–100 scale. What sets it apart are the readings on institutional ownership (71/100), structural risk (71/100), foreclosure activity (43/100). On the quiet end sit construction/permit lag (27/100). Environmental exposure also runs high (FEMA disaster exposure (98/100), climate & FEMA risk (93/100), flood (NFIP) exposure (83/100)).

Prices here sit in a neutral phase: values rose 4.9% over the trailing year, and 31% higher over three years, at 38/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Population is roughly 4,117 with a median age of 31. 66% of housing is owner-occupied. Home values center near $394,700, an affordability ratio of 4.1×. The poverty rate is 4.1% — low. Around 26% of renters are cost-burdened. Vacancy runs 12.9%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,980 housing units. Around 38% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 28/100. Households earn a median $85,385 — near the roughly $78,000 national figure.

Net-net, 32580 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 32580 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 32580 runs through one identical scoring model, so its 39/100 sits on the same scale as every other ZIP in Okaloosa County, Florida and the nation. Every figure is auditable to a public dataset and refreshed as records update; 32580 shows blanks, not estimates, wherever the record is sparse.

Each component behind 32580 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 39/100 roll-up. For a buyer, 32580 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.