Baker County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Baker County, FL distress report, 2026: 5 ZIPs scored in Baker, FL, Baker, FL average 25/100; the top Baker, FL ZIP is 32234 at 32/100; Baker, FL market phase contraction, Baker, FL prices -0.9% year over year.
- Baker, FL ranks #520 nationally (opportunity index); Baker, FL #49 in Florida; Baker, FL index 33.3.
- Baker, FL: no CFPB county sample; Baker, FL metro area reading 1.2%.
- Baker, FL ZIP phases: 5 contraction.
- Baker, FL residential listings tracked: 18 across 4 ZIPs; Baker, FL candidate listings 9.
- Baker, FL HUD assisted properties: 2 with 102 units.
- Baker, FL lenders on watch: 1; largest Baker, FL footprint First Federal Bank (1 branch).
- Baker, FL most distressed ZIP: 32234 at 32/100.
Baker, FL figures: DLRadar distress index; Baker, FL inputs: CFPB, FHFA, HUD, FDIC; Baker, FL rebuilt as sources refresh.
| Rank | Baker, FL ZIP | Score |
|---|---|---|
| 1 | 32234 | 32/100 |
| 2 | 32040 | 23/100 |
| 3 | 32063 | 23/100 |
| 4 | 32072 | 23/100 |
| 5 | 32087 | 23/100 |
Most distressed Baker, FL ZIPs (0-100, 2026)
Mortgage delinquency around Baker, FL
No CFPB county sample covers Baker, FL; the metro area reading for Baker, FL (Jacksonville, FL): 1.2% ninety-plus; Baker, FL area thirty-to-eighty-nine 2.4% (December 2025, Baker, FL); Florida overall 1.2%.
Opportunity index: Baker, FL
Baker, FL index 33.3, Baker, FL phase peak_opportunity; Baker, FL primary driver vacancy, Baker, FL second driver bank institutional. Baker, FL components: property stress 28.7, foreclosure pressure 28.7, listing discounts 39.4, bank stress 44.5, insurance 0.0; Baker, FL pulse 33.7; Baker, FL capital opportunity 32.6.
ZIP market phases inside Baker, FL
5 Baker, FL ZIPs carry a price-cycle phase; Baker, FL ZIPs by phase (Baker, FL), deepest drawdown first: contraction, -0.9% YoY, 1.8% off peak (Baker, FL): 32040, 32063, 32072, 32087, Baker, FL 32234.
Residential listings by Baker, FL ZIP
Baker, FL ZIPs with the most tracked Baker, FL residential listings: 32063 7 listings, 1 candidates, bank pressure 61; 32087 6 listings, 5 candidates, bank pressure 61; 32040 5 listings, 3 candidates, bank pressure 61; 32072 0 listings, 0 candidates, bank pressure 61 (Baker, FL). Baker, FL totals: 18 listings; Baker, FL candidates 9; active ZIPs 3.
HUD assisted housing in Baker, FL
2 assisted properties with 102 units sit in Baker, FL; largest Baker, FL properties: Northwood Apartments (Macclenny) 52 units, 52 assisted; Baker Manor (Macclenny) 50 units, 50 assisted.
Lenders with branches in Baker, FL
Baker, FL lenders by branch count: First Federal Bank (Baker, FL): stress 65, 1 branch low in Baker, FL.
Vacancy and permits, Baker, FL
983 of 10,148 Baker, FL housing units are vacant; Baker, FL permits, twelve months: 0 multifamily units in Baker, FL, 132 one-to-four unit units.
Work Baker, FL at the parcel level
Every Baker, FL parcel carries owner and address; every Baker, FL parcel carries APN; Baker, FL distress scores sit on the Baker, FL live board; Baker, FL lead lists by signal.
Baker, FL figures refresh with each source.
Baker, FL questions
Most distressed ZIP code in Baker County, FL?
ZIP 32234 leads Baker, FL at 32/100; next in Baker, FL: 32040 at 23/100; the Baker, FL average is 25/100.
Where does Baker County, FL rank for investment opportunity?
Baker, FL is #520 among all ranked counties, #49 in Florida; the Baker, FL driver is vacancy; Baker, FL moved up 906 places.
How many mortgages are delinquent in Baker County, FL?
Baker, FL takes the metro area reading of 1.2% for December 2025; no CFPB county sample covers Baker, FL.
Which banks lend in Baker County, FL?
1 watched lenders hold Baker, FL branches; the largest Baker, FL footprints are First Federal Bank (1).
More on Baker, FL
Baker County, FL distress report: public-record figures for Baker, FL; not legal advice for Baker, FL; not tax or investment advice; verify every Baker, FL record before acting.