Lake County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lake County, FL distress report, 2026: 30 ZIPs scored in Lake, FL, Lake, FL average 37/100; the top Lake, FL ZIP is 32720 at 38/100; Lake, FL market phase peak, Lake, FL prices +0.3% year over year.
- Lake, FL ranks #280 nationally (opportunity index); Lake, FL #32 in Florida; Lake, FL index 34.9.
- Lake, FL ninety-day mortgage delinquency 1.6% in December 2025; Lake, FL twelve-month change +1.1%.
- Lake, FL ZIP phases: 25 peak, 3 recovery, 2 contraction.
- Lake, FL residential listings tracked: 403 across 24 ZIPs; Lake, FL candidate listings 80.
- Lake, FL HUD assisted properties: 11 with 1,556 units.
- Lake, FL lenders on watch: 6; largest Lake, FL footprint United Southern Bank (12 branches).
- Lake, FL most distressed ZIP: 32720 at 38/100.
Lake, FL figures: DLRadar distress index; Lake, FL inputs: CFPB, FHFA, HUD, FDIC; Lake, FL rebuilt as sources refresh.
| Rank | Lake, FL ZIP | Score |
|---|---|---|
| 1 | 32720 | 38/100 |
| 2 | 32757 | 38/100 |
| 3 | 34787 | 38/100 |
| 4 | 32102 | 37/100 |
| 5 | 32726 | 37/100 |
| 6 | 32735 | 37/100 |
| 7 | 32736 | 37/100 |
| 8 | 32767 | 37/100 |
| 9 | 32776 | 37/100 |
| 10 | 32778 | 37/100 |
| 11 | 34705 | 37/100 |
| 12 | 34711 | 37/100 |
Most distressed Lake, FL ZIPs (0-100, 2026)
Mortgage delinquency in Lake, FL
1.6% of Lake, FL mortgages were ninety-plus days late (Lake, FL, December 2025); Lake, FL thirty-to-eighty-nine days late: 2.5%; Lake, FL twelve-month change +1.1%; Lake, FL peak since 2008: 8.4% (January 2010); Florida overall 1.2%. Lake, FL ninety-day series: Dec 24 0.5, Jan 25 0.6, Feb 25 1.1 (Lake, FL), Mar 25 0.9, Apr 25 1.1, May 25 1.0 (Lake, FL), Jun 25 1.1, Jul 25 1.0, Aug 25 1.3 (Lake, FL), Sep 25 1.4, Oct 25 1.4, Nov 25 1.4 (Lake, FL), Dec 25 1.6.
Opportunity index: Lake, FL
Lake, FL index 34.9, Lake, FL phase peak_opportunity; Lake, FL primary driver construction, Lake, FL second driver vacancy. Lake, FL components: property stress 26.9, foreclosure pressure 28.0, listing discounts 38.3, bank stress 57.8, insurance 0.0; Lake, FL pulse 38.5; Lake, FL capital opportunity 29.6.
ZIP market phases inside Lake, FL
30 Lake, FL ZIPs carry a price-cycle phase; Lake, FL ZIPs by phase (Lake, FL), deepest drawdown first: recovery, +1.5% YoY, 2.0% off peak (Lake, FL): 32163; recovery, +1.7% YoY, 1.1% off peak (Lake, FL): 32195; recovery, +1.7% YoY, 1.0% off peak (Lake, FL): 32134; peak, +1.2% YoY, 1.0% off peak (Lake, FL): 32784; peak, +0.5% YoY, 0.9% off peak (Lake, FL): 32159; peak, +0.7% YoY, 0.8% off peak (Lake, FL): 32702; contraction, -0.2% YoY, 0.8% off peak (Lake, FL): 32720; contraction, -0.0% YoY, 0.8% off peak (Lake, FL): 32102; peak, +0.3% YoY, 0.7% off peak (Lake, FL): 34731, 34714, 32726, 32735, Lake, FL 32736, 32757, 32767, 32776.
Residential listings by Lake, FL ZIP
Lake, FL ZIPs with the most tracked Lake, FL residential listings: 34748 56 listings, 19 candidates, bank pressure 67; 34714 45 listings, 9 candidates, bank pressure 64; 34788 44 listings, 9 candidates, bank pressure 67; 34736 39 listings, 6 candidates, bank pressure 67 (Lake, FL); 34711 37 listings, 7 candidates, bank pressure 67; 32778 36 listings, 3 candidates, bank pressure 67; 32159 30 listings, 11 candidates, bank pressure 65; 32757 22 listings, 4 candidates, bank pressure 62. Lake, FL totals: 403 listings; Lake, FL candidates 80; active ZIPs 5.
HUD assisted housing in Lake, FL
11 assisted properties with 1,556 units sit in Lake, FL; largest Lake, FL properties: The Quarters (Lady Lake) 336 units; Raintree Apartments (Clermont) 313 units; Hammock Oaks (Mount Dora) 280 units in Lake, FL; The Addison At Clermont (Clermont) 230 units; Cypress Oaks (Leesburg) 140 units; Arbours At Silver Lake (Leesburg) 120 units.
Lenders with branches in Lake, FL
Lake, FL lenders by branch count: United Southern Bank (Lake, FL): stress 74, 12 branches low in Lake, FL; Seacoast National Bank (Lake, FL): stress 58, 6 branches low in Lake, FL; First Nb Of Mount Dora (Lake, FL): stress 76, 3 branches low in Lake, FL; Southstate Bank Na (Lake, FL): stress 48, 3 branches low in Lake, FL; Mainstreet Cmty Bank Of Fl (Lake, FL): stress 74, 1 branch low in Lake, FL; Climate First Bank (Lake, FL): stress 69, 1 branch low in Lake, FL.
Vacancy and permits, Lake, FL
23,083 of 187,580 Lake, FL housing units are vacant; Lake, FL permits, twelve months: 324 multifamily units in Lake, FL, 4,289 one-to-four unit units.
Work Lake, FL at the parcel level
Every Lake, FL parcel carries owner and address; every Lake, FL parcel carries APN; Lake, FL distress scores sit on the Lake, FL live board; Lake, FL lead lists by signal.
Lake, FL figures refresh with each source.
Lake, FL questions
Most distressed ZIP code in Lake County, FL?
ZIP 32720 leads Lake, FL at 38/100; next in Lake, FL: 32757 at 38/100; the Lake, FL average is 37/100.
Where does Lake County, FL rank for investment opportunity?
Lake, FL is #280 among all ranked counties, #32 in Florida; the Lake, FL driver is construction; Lake, FL moved up 178 places.
How many mortgages are delinquent in Lake County, FL?
1.6% of Lake, FL mortgages were ninety-plus days late in December 2025; the Lake, FL peak since 2008 was 8.4%.
Which banks lend in Lake County, FL?
6 watched lenders hold Lake, FL branches; the largest Lake, FL footprints are United Southern Bank (12), Seacoast National Bank (6), First Nb Of Mount Dora (3).
More on Lake, FL
Lake County, FL distress report: public-record figures for Lake, FL; not legal advice for Lake, FL; not tax or investment advice; verify every Lake, FL record before acting.