Clay County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, FL distress report, 2026: 12 ZIPs scored in Clay, FL, Clay, FL average 31/100; the top Clay, FL ZIP is 32003 at 33/100; Clay, FL market phase contraction, Clay, FL prices -0.9% year over year.
- Clay, FL ranks #880 nationally (opportunity index); Clay, FL #65 in Florida; Clay, FL index 31.7.
- Clay, FL ninety-day mortgage delinquency 1.4% in December 2025; Clay, FL twelve-month change +0.8%.
- Clay, FL ZIP phases: 8 contraction, 4 peak.
- Clay, FL residential listings tracked: 188 across 7 ZIPs; Clay, FL candidate listings 15.
- Clay, FL HUD assisted properties: 2 with 404 units.
- Clay, FL lenders on watch: 2; largest Clay, FL footprint Capital City Bank (1 branch).
- Clay, FL most distressed ZIP: 32003 at 33/100.
Clay, FL figures: DLRadar distress index; Clay, FL inputs: CFPB, FHFA, HUD, FDIC; Clay, FL rebuilt as sources refresh.
| Rank | Clay, FL ZIP | Score |
|---|---|---|
| 1 | 32003 | 33/100 |
| 2 | 32043 | 33/100 |
| 3 | 32065 | 33/100 |
| 4 | 32068 | 33/100 |
| 5 | 32073 | 33/100 |
| 6 | 32079 | 33/100 |
| 7 | 32140 | 32/100 |
| 8 | 32234 | 32/100 |
| 9 | 32656 | 32/100 |
| 10 | 32666 | 30/100 |
| 11 | 32091 | 27/100 |
| 12 | 32058 | 26/100 |
Most distressed Clay, FL ZIPs (0-100, 2026)
Mortgage delinquency in Clay, FL
1.4% of Clay, FL mortgages were ninety-plus days late (Clay, FL, December 2025); Clay, FL thirty-to-eighty-nine days late: 3.0%; Clay, FL twelve-month change +0.8%; Clay, FL peak since 2008: 6.3% (January 2012); Florida overall 1.2%. Clay, FL ninety-day series: Dec 24 0.6, Jan 25 0.8, Feb 25 1.5 (Clay, FL), Mar 25 1.4, Apr 25 1.2, May 25 1.2 (Clay, FL), Jun 25 1.5, Jul 25 1.3, Aug 25 1.3 (Clay, FL), Sep 25 1.1, Oct 25 1.2, Nov 25 1.5 (Clay, FL), Dec 25 1.4.
Opportunity index: Clay, FL
Clay, FL index 31.7, Clay, FL phase watchlist; Clay, FL primary driver bank institutional, Clay, FL second driver listings discount. Clay, FL components: property stress 22.1, foreclosure pressure 19.7, listing discounts 42.7, bank stress 54.7, insurance 0.0; Clay, FL pulse 32.3; Clay, FL capital opportunity 30.7; Clay, FL seven-day change +0.8%.
ZIP market phases inside Clay, FL
12 Clay, FL ZIPs carry a price-cycle phase; Clay, FL ZIPs by phase (Clay, FL), deepest drawdown first: contraction, -0.9% YoY, 1.8% off peak (Clay, FL): 32003, 32065, 32068, 32073, Clay, FL 32079, 32234; contraction, -0.7% YoY, 1.7% off peak (Clay, FL): 32656; contraction, -0.8% YoY, 1.7% off peak (Clay, FL): 32043; peak, +0.4% YoY, 0.8% off peak (Clay, FL): 32666; peak, +0.5% YoY, 0.4% off peak (Clay, FL): 32140; peak, +3.0% YoY, 0.3% off peak (Clay, FL): 32091; peak, +3.7% YoY, 0.1% off peak (Clay, FL): 32058.
Residential listings by Clay, FL ZIP
Clay, FL ZIPs with the most tracked Clay, FL residential listings: 32068 54 listings, 2 candidates, bank pressure 60; 32073 39 listings, 4 candidates, bank pressure 60; 32043 37 listings, 4 candidates, bank pressure 58; 32065 30 listings, 2 candidates, bank pressure 60 (Clay, FL); 32656 19 listings, 3 candidates, bank pressure 59; 32003 9 listings, 0 candidates, bank pressure 60; 32079 0 listings, 0 candidates, bank pressure 60. Clay, FL totals: 188 listings; Clay, FL candidates 15; active ZIPs 6.
HUD assisted housing in Clay, FL
2 assisted properties with 404 units sit in Clay, FL; largest Clay, FL properties: Hunter's Run Apartments (Middleburg) 304 units; Middletowne Apartments (Orange Park) 100 units, 85 assisted.
Lenders with branches in Clay, FL
Clay, FL lenders by branch count: Capital City Bank (Clay, FL): stress 54, 1 branch low in Clay, FL; Southstate Bank Na (Clay, FL): stress 48, 1 branch low in Clay, FL.
Vacancy and permits, Clay, FL
5,262 of 88,969 Clay, FL housing units are vacant; Clay, FL permits, twelve months: 24 multifamily units in Clay, FL, 1,366 one-to-four unit units.
Work Clay, FL at the parcel level
Every Clay, FL parcel carries owner and address; every Clay, FL parcel carries APN; Clay, FL distress scores sit on the Clay, FL live board; Clay, FL lead lists by signal.
Clay, FL figures refresh with each source.
Clay, FL questions
Most distressed ZIP code in Clay County, FL?
ZIP 32003 leads Clay, FL at 33/100; next in Clay, FL: 32043 at 33/100; the Clay, FL average is 31/100.
Where does Clay County, FL rank for investment opportunity?
Clay, FL is #880 among all ranked counties, #65 in Florida; the Clay, FL driver is bank institutional; Clay, FL moved up 1,075 places.
How many mortgages are delinquent in Clay County, FL?
1.4% of Clay, FL mortgages were ninety-plus days late in December 2025; the Clay, FL peak since 2008 was 6.3%.
Which banks lend in Clay County, FL?
2 watched lenders hold Clay, FL branches; the largest Clay, FL footprints are Capital City Bank (1), Southstate Bank Na (1).
More on Clay, FL
Clay County, FL distress report: public-record figures for Clay, FL; not legal advice for Clay, FL; not tax or investment advice; verify every Clay, FL record before acting.