Orange County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Orange County, FL distress report, 2026: 49 ZIPs scored in Orange, FL, Orange, FL average 39/100; the top Orange, FL ZIP is 32703 at 39/100; Orange, FL market phase peak, Orange, FL prices +0.3% year over year.
- Orange, FL ranks #367 nationally (opportunity index); Orange, FL #41 in Florida; Orange, FL index 34.1.
- Orange, FL ninety-day mortgage delinquency 1.0% in December 2025; Orange, FL twelve-month change +0.6%.
- Orange, FL ZIP phases: 49 peak.
- Orange, FL residential listings tracked: 838 across 45 ZIPs; Orange, FL candidate listings 266.
- Orange, FL HUD assisted properties: 47 with 7,536 units.
- Orange, FL lenders on watch: 8; largest Orange, FL footprint Seacoast National Bank (6 branches).
- Orange, FL most distressed ZIP: 32703 at 39/100.
Orange, FL figures: DLRadar distress index; Orange, FL inputs: CFPB, FHFA, HUD, FDIC; Orange, FL rebuilt as sources refresh.
| Rank | Orange, FL ZIP | Score |
|---|---|---|
| 1 | 32703 | 39/100 |
| 2 | 32709 | 39/100 |
| 3 | 32712 | 39/100 |
| 4 | 32768 | 39/100 |
| 5 | 32789 | 39/100 |
| 6 | 32798 | 39/100 |
| 7 | 32801 | 39/100 |
| 8 | 32803 | 39/100 |
| 9 | 32804 | 39/100 |
| 10 | 32805 | 39/100 |
| 11 | 32806 | 39/100 |
| 12 | 32807 | 39/100 |
Most distressed Orange, FL ZIPs (0-100, 2026)
Mortgage delinquency in Orange, FL
1.0% of Orange, FL mortgages were ninety-plus days late (Orange, FL, December 2025); Orange, FL thirty-to-eighty-nine days late: 2.4%; Orange, FL twelve-month change +0.6%; Orange, FL peak since 2008: 10.7% (December 2009); Florida overall 1.2%. Orange, FL ninety-day series: Dec 24 0.4, Jan 25 0.6, Feb 25 0.8 (Orange, FL), Mar 25 0.8, Apr 25 0.7, May 25 0.7 (Orange, FL), Jun 25 0.7, Jul 25 0.8, Aug 25 0.8 (Orange, FL), Sep 25 0.8, Oct 25 1.0, Nov 25 1.0 (Orange, FL), Dec 25 1.0.
Opportunity index: Orange, FL
Orange, FL index 34.1, Orange, FL phase peak_opportunity; Orange, FL primary driver construction, Orange, FL second driver bank institutional. Orange, FL components: property stress 25.8, foreclosure pressure 27.6, listing discounts 35.2, bank stress 58.1, insurance 0.0; Orange, FL pulse 37.9; Orange, FL capital opportunity 28.4.
ZIP market phases inside Orange, FL
49 Orange, FL ZIPs carry a price-cycle phase; Orange, FL ZIPs by phase (Orange, FL), deepest drawdown first: peak, +0.3% YoY, 0.7% off peak (Orange, FL): 32703, 32709, 32712, 32751, Orange, FL 32757, 32768, 32776, 32789, Orange, FL 32792, 32798, 32801, 32803, Orange, FL 32804, 32805, 32806, 32807.
Residential listings by Orange, FL ZIP
Orange, FL ZIPs with the most tracked Orange, FL residential listings: 32703 155 listings, 73 candidates, bank pressure 59; 32751 84 listings, 65 candidates, bank pressure 59; 34787 51 listings, 27 candidates, bank pressure 62; 32824 34 listings, 0 candidates, bank pressure 60 (Orange, FL); 32808 33 listings, 2 candidates, bank pressure 60; 32811 32 listings, 8 candidates, bank pressure 60; 32818 32 listings, 5 candidates, bank pressure 60; 32825 32 listings, 0 candidates, bank pressure 60. Orange, FL totals: 838 listings; Orange, FL candidates 266; active ZIPs 38.
HUD assisted housing in Orange, FL
47 assisted properties with 7,536 units sit in Orange, FL; largest Orange, FL properties: Village At Baldwin Park (Orlando) 528 units; Willow Key Apartments (Orlando) 384 units; Lake Nona Greenway Apartments (Orlando) 346 units in Orange, FL; Vintage Winter Park (Winter Park) 332 units; Hawthorne Groves (Orlando) 328 units; Bellanova At Jubilee Park (Orlando) 312 units.
Lenders with branches in Orange, FL
Orange, FL lenders by branch count: Seacoast National Bank (Orange, FL): stress 58, 6 branches low in Orange, FL; Southstate Bank Na (Orange, FL): stress 48, 5 branches low in Orange, FL; Axiom Bank National Assn (Orange, FL): stress 80, 4 branches low in Orange, FL; One Florida Bank (Orange, FL): stress 72, 3 branches low in Orange, FL; City Nb Of Florida (Orange, FL): stress 64, 3 branches low in Orange, FL; Cogent Bank (Orange, FL): stress 47, 2 branches low in Orange, FL; Commerce Bank&Trust (Orange, FL): stress 81, 1 branch low in Orange, FL; Central Bank (Orange, FL): stress 77, 1 branch low in Orange, FL.
Vacancy and permits, Orange, FL
59,029 of 586,805 Orange, FL housing units are vacant; Orange, FL permits, twelve months: 4,941 multifamily units in Orange, FL, 3,834 one-to-four unit units.
Work Orange, FL at the parcel level
Every Orange, FL parcel carries owner and address; every Orange, FL parcel carries APN; Orange, FL distress scores sit on the Orange, FL live board; Orange, FL lead lists by signal.
Orange, FL figures refresh with each source.
Orange, FL questions
Most distressed ZIP code in Orange County, FL?
ZIP 32703 leads Orange, FL at 39/100; next in Orange, FL: 32709 at 39/100; the Orange, FL average is 39/100.
Where does Orange County, FL rank for investment opportunity?
Orange, FL is #367 among all ranked counties, #41 in Florida; the Orange, FL driver is construction; Orange, FL moved up 175 places.
How many mortgages are delinquent in Orange County, FL?
1.0% of Orange, FL mortgages were ninety-plus days late in December 2025; the Orange, FL peak since 2008 was 10.7%.
Which banks lend in Orange County, FL?
8 watched lenders hold Orange, FL branches; the largest Orange, FL footprints are Seacoast National Bank (6), Southstate Bank Na (5), Axiom Bank National Assn (4).
More on Orange, FL
Orange County, FL distress report: public-record figures for Orange, FL; not legal advice for Orange, FL; not tax or investment advice; verify every Orange, FL record before acting.