ZIP Code Report · 2026-10-28
ZIP 32413 Foreclosure & Distressed-Property Data
Property-related court filings in ZIP 32413, Florida, in Bay County. Foreclosure, probate, divorce, and partition cases. These are the early-stage filings that precede MLS listings by months or years.
Based on public court filings, analyzed by Keystone. As of October 2026.
- 92.3% Probate / Estate, the dominant filing category in ZIP 32413.
Filing type breakdown
| Lead type | Share |
|---|---|
| Probate / Estate | 92.3% |
| Foreclosure | 7.7% |
Related areas
ZIP 32413 falls within Bay County, Florida. Full county-level analysis: Bay County subscription page.
Nearby ZIPs in Florida: 32404 · 32433 · 32459 · 32351 · 32536.
The foreclosure process
Before a lender can begin a foreclosure on a primary residence, federal servicing rules generally require the borrower to be more than 120 days delinquent (12 CFR 1024.41(f)). States then follow either a judicial process, where the lender sues in court, or a non-judicial (power of sale) process run by a trustee under the deed of trust. Judicial vs non-judicial foreclosure explains the difference.
Read more: Florida foreclosure timeline and the foreclosure timeline by state.
Bay County at a glance (public statistics)
County seat: Panama City.
| Measure | Value | Source |
|---|---|---|
| Population | 181,368 | Census |
| Housing units | 106,209 | Census |
| Homes that are owner-occupied | 68% | Census |
| Median home value | $277K | Census |
| Housing units that are vacant (U.S.: 10%) | 28% | Census |
| Homes that are single-family detached (U.S.: 61%) | 51% | Census |
| Homes built before 1940 (U.S.: 12%) | 2% | Census |
| Residents aged 65 or older (U.S.: 17%) | 18% | Census |
| Owner-occupied homes with no mortgage (owned free and clear) (U.S.: 39%) | 43% | Census |
| Median age of residents (U.S.: 38.9) | 41.4 | Census |
| HUD Fair Market Rent, 2-bedroom, monthly (Panama City-Panama City Beach, FL) | $1,651 | HUD |
| HUD Fair Market Rent, 3-bedroom, monthly (Panama City-Panama City Beach, FL) | $2,101 | HUD |
| New housing units permitted in 2025 | 2,072 | Census |
| Change in units permitted, 2024 to 2025 | -16% | Census |
Sources: U.S. Census Bureau American Community Survey and Building Permits Survey; HUD Fair Market Rents.
Related guides
Frequently asked questions
What court filings does Keystone Court Data cover in ZIP code 32413?+
Keystone Court Data covers property-related court filings in ZIP code 32413, Florida (Bay County), including: Probate / Estate, Foreclosure. New filings are added as they are recorded.
What types of court cases are most common in ZIP 32413?+
In ZIP 32413, the filing breakdown is: Probate / Estate (92.3%); Foreclosure (7.7%).
New court records for ZIP 32413
Subscribe to Bay County on Keystone Court Data to receive new property-related Florida court filings, including filings in ZIP 32413. Delivered from the day of filing. 7-day free trial.
View Bay County availabilityCite: Keystone Court Data, "ZIP 32413 Foreclosure & Distressed-Property Data," 2026-10-28, https://keystonecourtdata.com/reports/32413-foreclosure-data