Flagler County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Flagler County, FL distress report, 2026: 7 ZIPs scored in Flagler, FL, Flagler, FL average 36/100; the top Flagler, FL ZIP is 32180 at 39/100; Flagler, FL market phase contraction, Flagler, FL prices -0.5% year over year.
- Flagler, FL ranks #318 nationally (opportunity index); Flagler, FL #38 in Florida; Flagler, FL index 34.6.
- Flagler, FL ninety-day mortgage delinquency 1.2% in December 2025; Flagler, FL twelve-month change +0.8%.
- Flagler, FL ZIP phases: 7 contraction.
- Flagler, FL residential listings tracked: 242 across 4 ZIPs; Flagler, FL candidate listings 75.
- Flagler, FL lenders on watch: 2; largest Flagler, FL footprint Intracoastal Bank (1 branch).
- Flagler, FL most distressed ZIP: 32180 at 39/100.
Flagler, FL figures: DLRadar distress index; Flagler, FL inputs: CFPB, FHFA, HUD, FDIC; Flagler, FL rebuilt as sources refresh.
| Rank | Flagler, FL ZIP | Score |
|---|---|---|
| 1 | 32180 | 39/100 |
| 2 | 32080 | 38/100 |
| 3 | 32174 | 38/100 |
| 4 | 32136 | 35/100 |
| 5 | 32110 | 34/100 |
| 6 | 32137 | 34/100 |
| 7 | 32164 | 34/100 |
Most distressed Flagler, FL ZIPs (0-100, 2026)
Mortgage delinquency in Flagler, FL
1.2% of Flagler, FL mortgages were ninety-plus days late (Flagler, FL, December 2025); Flagler, FL thirty-to-eighty-nine days late: 2.4%; Flagler, FL twelve-month change +0.8%; Flagler, FL peak since 2008: 9.0% (January 2010); Florida overall 1.2%. Flagler, FL ninety-day series: Dec 24 0.4, Jan 25 0.9, Feb 25 1.0 (Flagler, FL), Mar 25 0.9, Apr 25 0.5, May 25 0.7 (Flagler, FL), Jun 25 0.7, Jul 25 0.6, Aug 25 0.6 (Flagler, FL), Sep 25 0.7, Oct 25 1.0, Nov 25 0.7 (Flagler, FL), Dec 25 1.2.
Opportunity index: Flagler, FL
Flagler, FL index 34.6, Flagler, FL phase peak_opportunity; Flagler, FL primary driver vacancy, Flagler, FL second driver bank institutional. Flagler, FL components: property stress 27.0, foreclosure pressure 29.4, listing discounts 37.0, bank stress 61.0, insurance 0.0; Flagler, FL pulse 38.9; Flagler, FL capital opportunity 28.1; Flagler, FL seven-day change +0.5%.
ZIP market phases inside Flagler, FL
7 Flagler, FL ZIPs carry a price-cycle phase; Flagler, FL ZIPs by phase (Flagler, FL), deepest drawdown first: contraction, -0.9% YoY, 1.8% off peak (Flagler, FL): 32080; contraction, -0.5% YoY, 0.8% off peak (Flagler, FL): 32174, 32110, 32136, 32137, Flagler, FL 32164, 32180.
Residential listings by Flagler, FL ZIP
Flagler, FL ZIPs with the most tracked Flagler, FL residential listings: 32137 96 listings, 31 candidates, bank pressure 64; 32164 81 listings, 12 candidates, bank pressure 64; 32110 46 listings, 23 candidates, bank pressure 64; 32136 19 listings, 9 candidates, bank pressure 63 (Flagler, FL). Flagler, FL totals: 242 listings; Flagler, FL candidates 75; active ZIPs 0.
Lenders with branches in Flagler, FL
Flagler, FL lenders by branch count: Intracoastal Bank (Flagler, FL): stress 71, 1 branch low in Flagler, FL; Southstate Bank Na (Flagler, FL): stress 48, 1 branch low in Flagler, FL.
Vacancy and permits, Flagler, FL
8,352 of 60,934 Flagler, FL housing units are vacant; Flagler, FL permits, twelve months: 446 multifamily units in Flagler, FL, 1,984 one-to-four unit units.
Work Flagler, FL at the parcel level
Every Flagler, FL parcel carries owner and address; every Flagler, FL parcel carries APN; Flagler, FL distress scores sit on the Flagler, FL live board; Flagler, FL lead lists by signal.
Flagler, FL figures refresh with each source.
Flagler, FL questions
Most distressed ZIP code in Flagler County, FL?
ZIP 32180 leads Flagler, FL at 39/100; next in Flagler, FL: 32080 at 38/100; the Flagler, FL average is 36/100.
Where does Flagler County, FL rank for investment opportunity?
Flagler, FL is #318 among all ranked counties, #38 in Florida; the Flagler, FL driver is vacancy; Flagler, FL moved up 159 places.
How many mortgages are delinquent in Flagler County, FL?
1.2% of Flagler, FL mortgages were ninety-plus days late in December 2025; the Flagler, FL peak since 2008 was 9.0%.
Which banks lend in Flagler County, FL?
2 watched lenders hold Flagler, FL branches; the largest Flagler, FL footprints are Intracoastal Bank (1), Southstate Bank Na (1).
More on Flagler, FL
Flagler County, FL distress report: public-record figures for Flagler, FL; not legal advice for Flagler, FL; not tax or investment advice; verify every Flagler, FL record before acting.