Columbia County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Columbia County, FL distress report, 2026: 8 ZIPs scored in Columbia, FL, Columbia, FL average 31/100; the top Columbia, FL ZIP is 32025 at 32/100; Columbia, FL market phase peak, Columbia, FL prices +0.6% year over year.
- Columbia, FL ranks #437 nationally (opportunity index); Columbia, FL #51 in Florida; Columbia, FL index 33.8.
- Columbia, FL: no CFPB county sample; Columbia, FL non-metro area reading 1.2%.
- Columbia, FL ZIP phases: 7 peak, 1 contraction.
- Columbia, FL residential listings tracked: 23 across 6 ZIPs; Columbia, FL candidate listings 8.
- Columbia, FL HUD assisted properties: 2 with 27 units.
- Columbia, FL lenders on watch: 2; largest Columbia, FL footprint First Federal Bank (3 branches).
- Columbia, FL most distressed ZIP: 32025 at 32/100.
Columbia, FL figures: DLRadar distress index; Columbia, FL inputs: CFPB, FHFA, HUD, FDIC; Columbia, FL rebuilt as sources refresh.
| Rank | Columbia, FL ZIP | Score |
|---|---|---|
| 1 | 32025 | 32/100 |
| 2 | 32038 | 32/100 |
| 3 | 32055 | 32/100 |
| 4 | 32061 | 32/100 |
| 5 | 32024 | 31/100 |
| 6 | 32094 | 31/100 |
| 7 | 32096 | 29/100 |
| 8 | 32643 | 26/100 |
Most distressed Columbia, FL ZIPs (0-100, 2026)
Mortgage delinquency around Columbia, FL
No CFPB county sample covers Columbia, FL; the non-metro area reading for Columbia, FL: 1.2% ninety-plus; Columbia, FL area thirty-to-eighty-nine 3.4% (December 2025, Columbia, FL); Florida overall 1.2%.
Opportunity index: Columbia, FL
Columbia, FL index 33.8, Columbia, FL phase peak_opportunity; Columbia, FL primary driver vacancy, Columbia, FL second driver construction. Columbia, FL components: property stress 24.6, foreclosure pressure 26.3, listing discounts 40.9, bank stress 49.1, insurance 0.0; Columbia, FL pulse 35.3; Columbia, FL capital opportunity 31.5; Columbia, FL seven-day change +1.3%.
ZIP market phases inside Columbia, FL
8 Columbia, FL ZIPs carry a price-cycle phase; Columbia, FL ZIPs by phase (Columbia, FL), deepest drawdown first: contraction, -0.2% YoY, 1.8% off peak (Columbia, FL): 32643; peak, +0.6% YoY, 0.3% off peak (Columbia, FL): 32025, 32038, 32061, 32055; peak, +1.2% YoY, 0.2% off peak (Columbia, FL): 32024; peak, +2.0% YoY, 0.1% off peak (Columbia, FL): 32096; peak, +3.4% YoY, 0.0% off peak (Columbia, FL): 32094.
Residential listings by Columbia, FL ZIP
Columbia, FL ZIPs with the most tracked Columbia, FL residential listings: 32055 9 listings, 1 candidates, bank pressure 62; 32025 6 listings, 5 candidates, bank pressure 62; 32024 5 listings, 2 candidates, bank pressure 62; 32038 3 listings, 0 candidates, bank pressure 62 (Columbia, FL); 32061 0 listings, 0 candidates, bank pressure 62; 32096 0 listings, 0 candidates, bank pressure 62. Columbia, FL totals: 23 listings; Columbia, FL candidates 8; active ZIPs 4.
HUD assisted housing in Columbia, FL
2 assisted properties with 27 units sit in Columbia, FL; largest Columbia, FL properties: Lake City Voa Living Center (Lake City) 14 units, 13 assisted; Carc Housing (Lake City) 13 units, 13 assisted.
Lenders with branches in Columbia, FL
Columbia, FL lenders by branch count: First Federal Bank (Columbia, FL): stress 65, 3 branches low in Columbia, FL; Seacoast National Bank (Columbia, FL): stress 58, 1 branch low in Columbia, FL.
Vacancy and permits, Columbia, FL
2,870 of 30,300 Columbia, FL housing units are vacant; Columbia, FL permits, twelve months: 3 multifamily units in Columbia, FL, 168 one-to-four unit units.
Work Columbia, FL at the parcel level
Every Columbia, FL parcel carries owner and address; every Columbia, FL parcel carries APN; Columbia, FL distress scores sit on the Columbia, FL live board; Columbia, FL lead lists by signal.
Columbia, FL figures refresh with each source.
Columbia, FL questions
Most distressed ZIP code in Columbia County, FL?
ZIP 32025 leads Columbia, FL at 32/100; next in Columbia, FL: 32038 at 32/100; the Columbia, FL average is 31/100.
Where does Columbia County, FL rank for investment opportunity?
Columbia, FL is #437 among all ranked counties, #51 in Florida; the Columbia, FL driver is vacancy; Columbia, FL moved up 811 places.
How many mortgages are delinquent in Columbia County, FL?
Columbia, FL takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Columbia, FL.
Which banks lend in Columbia County, FL?
2 watched lenders hold Columbia, FL branches; the largest Columbia, FL footprints are First Federal Bank (3), Seacoast National Bank (1).
More on Columbia, FL
Columbia County, FL distress report: public-record figures for Columbia, FL; not legal advice for Columbia, FL; not tax or investment advice; verify every Columbia, FL record before acting.