Osceola County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Osceola County, FL distress report, 2026: 17 ZIPs scored in Osceola, FL, Osceola, FL average 37/100; the top Osceola, FL ZIP is 33897 at 39/100; Osceola, FL market phase peak, Osceola, FL prices +0.3% year over year.
- Osceola, FL ranks #221 nationally (opportunity index); Osceola, FL #26 in Florida; Osceola, FL index 35.6.
- Osceola, FL ninety-day mortgage delinquency 1.4% in December 2025; Osceola, FL twelve-month change +1.0%.
- Osceola, FL ZIP phases: 14 peak, 3 recovery.
- Osceola, FL residential listings tracked: 6,837 across 13 ZIPs; Osceola, FL candidate listings 4,094.
- Osceola, FL HUD assisted properties: 6 with 1,268 units.
- Osceola, FL lenders on watch: 3; largest Osceola, FL footprint Southstate Bank Na (5 branches).
- Osceola, FL most distressed ZIP: 33897 at 39/100.
Osceola, FL figures: DLRadar distress index; Osceola, FL inputs: CFPB, FHFA, HUD, FDIC; Osceola, FL rebuilt as sources refresh.
| Rank | Osceola, FL ZIP | Score |
|---|---|---|
| 1 | 33897 | 39/100 |
| 2 | 33898 | 39/100 |
| 3 | 33896 | 38/100 |
| 4 | 34759 | 38/100 |
| 5 | 34771 | 38/100 |
| 6 | 33848 | 37/100 |
| 7 | 34739 | 37/100 |
| 8 | 34741 | 37/100 |
| 9 | 34743 | 37/100 |
| 10 | 34744 | 37/100 |
| 11 | 34746 | 37/100 |
| 12 | 34747 | 37/100 |
Most distressed Osceola, FL ZIPs (0-100, 2026)
Mortgage delinquency in Osceola, FL
1.4% of Osceola, FL mortgages were ninety-plus days late (Osceola, FL, December 2025); Osceola, FL thirty-to-eighty-nine days late: 3.3%; Osceola, FL twelve-month change +1.0%; Osceola, FL peak since 2008: 13.8% (November 2009); Florida overall 1.2%. Osceola, FL ninety-day series: Dec 24 0.4, Jan 25 0.7, Feb 25 1.0 (Osceola, FL), Mar 25 1.0, Apr 25 1.3, May 25 1.2 (Osceola, FL), Jun 25 1.1, Jul 25 1.2, Aug 25 1.5 (Osceola, FL), Sep 25 1.6, Oct 25 1.6, Nov 25 1.3 (Osceola, FL), Dec 25 1.4.
Opportunity index: Osceola, FL
Osceola, FL index 35.6, Osceola, FL phase peak_opportunity; Osceola, FL primary driver vacancy, Osceola, FL second driver construction. Osceola, FL components: property stress 27.0, foreclosure pressure 29.0, listing discounts 36.0, bank stress 56.5, insurance 0.0; Osceola, FL pulse 39.6; Osceola, FL capital opportunity 29.5.
ZIP market phases inside Osceola, FL
17 Osceola, FL ZIPs carry a price-cycle phase; Osceola, FL ZIPs by phase (Osceola, FL), deepest drawdown first: recovery, +1.9% YoY, 2.2% off peak (Osceola, FL): 33897; recovery, +1.7% YoY, 2.0% off peak (Osceola, FL): 33898; recovery, +1.4% YoY, 1.7% off peak (Osceola, FL): 34759; peak, +0.9% YoY, 1.3% off peak (Osceola, FL): 33896; peak, +0.3% YoY, 0.7% off peak (Osceola, FL): 33848, 34739, 34741, 34743, Osceola, FL 34744, 34746, 34747, 34758, Osceola, FL 34769, 34771, 34772, 34773.
Residential listings by Osceola, FL ZIP
Osceola, FL ZIPs with the most tracked Osceola, FL residential listings: 34771 1,731 listings, 1,222 candidates, bank pressure 60; 34758 945 listings, 630 candidates, bank pressure 60; 34747 789 listings, 483 candidates, bank pressure 60; 34744 744 listings, 214 candidates, bank pressure 60 (Osceola, FL); 34746 522 listings, 257 candidates, bank pressure 60; 34772 514 listings, 321 candidates, bank pressure 60; 34741 469 listings, 300 candidates, bank pressure 60; 34773 457 listings, 307 candidates, bank pressure 60. Osceola, FL totals: 6,837 listings; Osceola, FL candidates 4,094; active ZIPs 0.
HUD assisted housing in Osceola, FL
6 assisted properties with 1,268 units sit in Osceola, FL; largest Osceola, FL properties: Cobblestone Of Kissimmee Apartments (Kissimmee) 421 units; Rapallo (Kissimmee) 350 units; Kensington Apartments (Kissimmee) 289 units in Osceola, FL; Hamilton At Lakeside (Kissimmee) 108 units; Oak Leaf Landings (Kissimmee) 50 units, 50 assisted; St. Cloud Villas Ii (St. Cloud) 50 units, 50 assisted.
Lenders with branches in Osceola, FL
Osceola, FL lenders by branch count: Southstate Bank Na (Osceola, FL): stress 48, 5 branches low in Osceola, FL; Bankflorida (Osceola, FL): stress 59, 2 branches low in Osceola, FL; Axiom Bank National Assn (Osceola, FL): stress 80, 1 branch low in Osceola, FL.
Vacancy and permits, Osceola, FL
28,616 of 171,410 Osceola, FL housing units are vacant; Osceola, FL permits, twelve months: 1,987 multifamily units in Osceola, FL, 3,726 one-to-four unit units.
Work Osceola, FL at the parcel level
Every Osceola, FL parcel carries owner and address; every Osceola, FL parcel carries APN; Osceola, FL distress scores sit on the Osceola, FL live board; Osceola, FL lead lists by signal.
Osceola, FL figures refresh with each source.
Osceola, FL questions
Most distressed ZIP code in Osceola County, FL?
ZIP 33897 leads Osceola, FL at 39/100; next in Osceola, FL: 33898 at 39/100; the Osceola, FL average is 37/100.
Where does Osceola County, FL rank for investment opportunity?
Osceola, FL is #221 among all ranked counties, #26 in Florida; the Osceola, FL driver is vacancy; Osceola, FL moved up 90 places.
How many mortgages are delinquent in Osceola County, FL?
1.4% of Osceola, FL mortgages were ninety-plus days late in December 2025; the Osceola, FL peak since 2008 was 13.8%.
Which banks lend in Osceola County, FL?
3 watched lenders hold Osceola, FL branches; the largest Osceola, FL footprints are Southstate Bank Na (5), Bankflorida (2), Axiom Bank National Assn (1).
More on Osceola, FL
Osceola County, FL distress report: public-record figures for Osceola, FL; not legal advice for Osceola, FL; not tax or investment advice; verify every Osceola, FL record before acting.