Charlotte County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Charlotte County, FL distress report, 2026: 17 ZIPs scored in Charlotte, FL, Charlotte, FL average 62/100; the top Charlotte, FL ZIP is 33946 at 66/100; Charlotte, FL market phase contraction, Charlotte, FL prices -3.2% year over year.
- Charlotte, FL ranks #2 nationally (opportunity index); Charlotte, FL #2 in Florida; Charlotte, FL index 47.7.
- Charlotte, FL ninety-day mortgage delinquency 1.3% in December 2025; Charlotte, FL twelve-month change +0.7%.
- Charlotte, FL ZIP phases: 16 contraction, 1 peak.
- Charlotte, FL residential listings tracked: 594 across 13 ZIPs; Charlotte, FL candidate listings 309.
- Charlotte, FL HUD assisted properties: 8 with 664 units.
- Charlotte, FL lenders on watch: 1; largest Charlotte, FL footprint Crews Bank&Trust (8 branches).
- Charlotte, FL most distressed ZIP: 33946 at 66/100.
Charlotte, FL figures: DLRadar distress index; Charlotte, FL inputs: CFPB, FHFA, HUD, FDIC; Charlotte, FL rebuilt as sources refresh.
| Rank | Charlotte, FL ZIP | Score |
|---|---|---|
| 1 | 33946 | 66/100 |
| 2 | 33947 | 66/100 |
| 3 | 33948 | 66/100 |
| 4 | 33950 | 66/100 |
| 5 | 33952 | 66/100 |
| 6 | 33953 | 66/100 |
| 7 | 33954 | 66/100 |
| 8 | 33955 | 66/100 |
| 9 | 33980 | 66/100 |
| 10 | 33981 | 66/100 |
| 11 | 33982 | 66/100 |
| 12 | 33983 | 66/100 |
Most distressed Charlotte, FL ZIPs (0-100, 2026)
Mortgage delinquency in Charlotte, FL
1.3% of Charlotte, FL mortgages were ninety-plus days late (Charlotte, FL, December 2025); Charlotte, FL thirty-to-eighty-nine days late: 2.1%; Charlotte, FL twelve-month change +0.7%; Charlotte, FL peak since 2008: 7.3% (September 2009); Florida overall 1.2%. Charlotte, FL ninety-day series: Dec 24 0.6, Jan 25 0.6, Feb 25 0.8 (Charlotte, FL), Mar 25 0.9, Apr 25 0.7, May 25 1.0 (Charlotte, FL), Jun 25 0.9, Jul 25 1.0, Aug 25 1.0 (Charlotte, FL), Sep 25 1.1, Oct 25 1.2, Nov 25 1.2 (Charlotte, FL), Dec 25 1.3.
Opportunity index: Charlotte, FL
Charlotte, FL index 47.7, Charlotte, FL phase strong_buy; Charlotte, FL primary driver vacancy, Charlotte, FL second driver insurance distress. Charlotte, FL components: property stress 50.9, foreclosure pressure 56.1, listing discounts 39.1, bank stress 54.8, insurance 79.3; Charlotte, FL pulse 56.1; Charlotte, FL capital opportunity 35.2; Charlotte, FL seven-day change +0.6%.
ZIP market phases inside Charlotte, FL
17 Charlotte, FL ZIPs carry a price-cycle phase; Charlotte, FL ZIPs by phase (Charlotte, FL), deepest drawdown first: contraction, -3.2% YoY, 9.3% off peak (Charlotte, FL): 33946, 33947, 33948, 33950, Charlotte, FL 33952, 33953, 33954, 33980, Charlotte, FL 33981, 33982, 33983; contraction, -3.1% YoY, 9.3% off peak (Charlotte, FL): 33955; contraction, -3.1% YoY, 9.1% off peak (Charlotte, FL): 34224; contraction, -1.9% YoY, 8.8% off peak (Charlotte, FL): 33917; contraction, -1.8% YoY, 8.8% off peak (Charlotte, FL): 33921; contraction, -1.6% YoY, 5.3% off peak (Charlotte, FL): 34223.
Residential listings by Charlotte, FL ZIP
Charlotte, FL ZIPs with the most tracked Charlotte, FL residential listings: 33952 124 listings, 52 candidates, bank pressure 59; 33981 79 listings, 41 candidates, bank pressure 59; 33948 56 listings, 29 candidates, bank pressure 59; 33954 48 listings, 24 candidates, bank pressure 59 (Charlotte, FL); 33947 45 listings, 23 candidates, bank pressure 59; 33950 44 listings, 32 candidates, bank pressure 59; 33982 40 listings, 16 candidates, bank pressure 59; 34224 36 listings, 18 candidates, bank pressure 60. Charlotte, FL totals: 594 listings; Charlotte, FL candidates 309; active ZIPs 0.
HUD assisted housing in Charlotte, FL
8 assisted properties with 664 units sit in Charlotte, FL; largest Charlotte, FL properties: Seven Palms Apartments (Punta Gorda) 336 units; Grove City Manor (Grove City) 101 units, 100 assisted; Presbyterian Homes Of Charlotte, Inc. (Port Charlotte) 97 units, 97 assisted in Charlotte, FL; Villa San Carlos Ii (Port Charlotte) 54 units, 53 assisted; Villa San Carlos (Port Charlotte) 50 units, 50 assisted; Harbor Place Apartments (Port Charlotte) 14 units, 14 assisted.
Lenders with branches in Charlotte, FL
Charlotte, FL lenders by branch count: Crews Bank&Trust (Charlotte, FL): stress 50, 8 branches low in Charlotte, FL.
Vacancy and permits, Charlotte, FL
28,137 of 118,679 Charlotte, FL housing units are vacant; Charlotte, FL permits, twelve months: 286 multifamily units in Charlotte, FL, 2,997 one-to-four unit units.
Work Charlotte, FL at the parcel level
Every Charlotte, FL parcel carries owner and address; every Charlotte, FL parcel carries APN; Charlotte, FL distress scores sit on the Charlotte, FL live board; Charlotte, FL lead lists by signal.
Charlotte, FL figures refresh with each source.
Charlotte, FL questions
Most distressed ZIP code in Charlotte County, FL?
ZIP 33946 leads Charlotte, FL at 66/100; next in Charlotte, FL: 33947 at 66/100; the Charlotte, FL average is 62/100.
Where does Charlotte County, FL rank for investment opportunity?
Charlotte, FL is #2 among all ranked counties, #2 in Florida; the Charlotte, FL driver is vacancy; Charlotte, FL moved down 1 places.
How many mortgages are delinquent in Charlotte County, FL?
1.3% of Charlotte, FL mortgages were ninety-plus days late in December 2025; the Charlotte, FL peak since 2008 was 7.3%.
Which banks lend in Charlotte County, FL?
1 watched lenders hold Charlotte, FL branches; the largest Charlotte, FL footprints are Crews Bank&Trust (8).
More on Charlotte, FL
Charlotte County, FL distress report: public-record figures for Charlotte, FL; not legal advice for Charlotte, FL; not tax or investment advice; verify every Charlotte, FL record before acting.