Florida UCC and Sunbiz Liens on Property Owners by County (2026)
A UCC financing statement means a lender has taken business assets as collateral, and a string of them against one owner means the business is borrowing against everything it has. When that owner also holds real property, the parcel is one bad quarter from a lien or a sale. This report counts the UCC instruments DLRadar has matched to Florida owners and parcels.
- 94,935 UCC instruments indexed across 66 counties, 13,616 filed in the last twelve months.
- 34,259 parcels have a parcel-linked UCC record with 71,774 active statements between them.
- 906 parcels carry the name-matched SBZ flag.
- Osceola County has the most instruments at 9,175; newest October 16, 2026.
SBZ-signal: the SBZ signal figures as of 2026-10-20; Florida Secured Transaction Registry (Sunbiz) and official-record UCC instruments.
| County | Instruments | Filed last 12 months |
|---|---|---|
| Osceola County | 9,175 | 3,457 |
| Okaloosa County | 7,627 | 749 |
| St Lucie County | 6,276 | 2,245 |
| Lake County | 5,044 | 1,078 |
| Polk County | 4,790 | 1,325 |
| Pinellas County | 3,755 | 616 |
| St Johns County | 3,098 | 344 |
| Marion County | 2,761 | 119 |
| Alachua County | 2,676 | 49 |
| Bay County | 2,513 | 19 |
| Brevard County | 2,384 | 25 |
| Wakulla County | 2,362 | 301 |
UCC instruments by county.
Counties
Osceola County 9,175 instruments (3,457 new); Okaloosa County 7,627 instruments (749 new); St Lucie County 6,276 instruments (2,245 new); Lake County 5,044 instruments (1,078 new); Polk County 4,790 instruments (1,325 new); Pinellas County 3,755 instruments (616 new).
Name-matched, and labelled as such
UCC filings name a debtor, not a parcel. DLRadar matches the debtor to the owner of record and sets the SBZ flag with an explicit name-matched label so a user verifies before relying on it. The parcel-level active-lien count below uses the stricter parcel link.
Commercial distress in particular
Most UCC debtors are businesses, so the signal is strongest on commercial and multifamily parcels, where an operator's working-capital trouble shows up here before it shows up as a mortgage default.
Work the SBZ signal
The commercial distress page shows the UCC-flagged parcels, and the commercial lien list bundles them with the parcel's other liens.
SBZ parcels update as the records refresh.
Florida UCC and Sunbiz Liens on Property Owners by County (2026): questions
Does a UCC lien attach to real estate?
Not directly. It covers personal property and fixtures. Its value is as an early warning that the owner is leveraged.
What is a Sunbiz lien?
A filing in the Florida Secured Transaction Registry run through Sunbiz, which is where UCC statements are recorded in Florida.
How is 'active' decided?
A statement is active until it lapses five years from filing or a termination is filed.
More on the SBZ signal
Florida UCC and Sunbiz Liens on Property Owners by County (2026) (SBZ-signal) is fed by Florida Secured Transaction Registry (Sunbiz) and official-record UCC instruments and is not legal advice. Nothing in the SBZ signal is tax or investment advice; verify every SBZ-signal record with the issuing office before acting.