Charlotte County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Charlotte County, Florida? DLRadar grades every Charlotte County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 66/100. Here is the 2026 Charlotte County breakdown.
- Charlotte County's most distressed ZIP is 33946 at 66/100.
- 17 ZIP codes tracked in Charlotte County, averaging 62/100 distress.
- Charlotte County reads contraction — home values down 3.2% year over year, 10.9% off peak.
- Vacancy runs 28.2% across Charlotte County's tracked ZIPs, with a 9.3% poverty rate.
- The typical Charlotte County home is worth about $441,988 against a ~$65,746 median income.
- Lending headwind in Charlotte County sits at 32/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 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 ZIP codes in Charlotte County (composite distress 0-100, 2026)
What is driving Charlotte County distress
Charlotte County's placement in the national index rests on public filings — a 62/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Charlotte County market phase and pricing
Charlotte County currently sits in contraction after a 3.2% decline in the past twelve months, 10.9% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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What people ask
Where is distress highest inside Charlotte County, FL?
ZIP 33946 leads Charlotte County at 66/100, recomputed monthly from public records.
What market phase is Charlotte County in?
The market phase for Charlotte County is contraction, prices falling 3.2% on the year — derived from the FHFA House Price Index path.
Where does the Charlotte County data come from?
Every Charlotte County figure traces to a public source — FHFA House Price Index for the contraction trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 17 Charlotte County ZIP codes that it runs on every other U.S. county, so Charlotte County's numbers are directly comparable to any other market.
How much do distress scores vary between Charlotte County ZIP codes?
The county figure is a blend, not a description. Across the Charlotte County ZIPs DLRadar ranks, scores run from 66/100 in 33946 down to 66/100 in 33983, against a Charlotte County average of 62/100. Those 0 points separate the ZIPs worth working in Charlotte County from the rest.
What do Charlotte County home values and vacancy say about distressed supply?
The typical Charlotte County home carries about $441,988 of value against a median household income near $65,746. Vacancy across Charlotte County's tracked ZIPs runs 28.2% and the poverty rate is 9.3%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Charlotte County's foreclosure and tax-lien filings and its 32/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.