Housing distress & ownership in ZIP 32435

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress

4.65%

2 of 43 listings · short sale 2

Months of supply

6.5

buyer’s market · active inventory ÷ sales pace (trailing 12 mo)

Out-of-state owners

9.7%

mailing address outside FL

Non-homestead

67.0%

not owner-occupied (investor/2nd-home proxy)

Median just value

$108,600

4,895 parcels

Median owner tenure

1 yrs

years since the home last sold (county tax roll)

Owners at 2× their price

1.9%

today’s just value is at least double the last sale price

Median closed sale price — $259,990 · ▲ 10.6% yr (12-mo rolling)

Distress share trend — 4.65% now (2026-08-10 → 2026-08-14)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.