Pinellas County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Pinellas County, FL distress report, 2026: 48 ZIPs scored in Pinellas, FL, Pinellas, FL average 32/100; the top Pinellas, FL ZIP is 33701 at 32/100; Pinellas, FL market phase peak, Pinellas, FL prices +0.6% year over year.
- Pinellas, FL ranks #768 nationally (opportunity index); Pinellas, FL #60 in Florida; Pinellas, FL index 32.1.
- Pinellas, FL ninety-day mortgage delinquency 1.1% in December 2025; Pinellas, FL twelve-month change +0.7%.
- Pinellas, FL ZIP phases: 48 peak.
- Pinellas, FL residential listings tracked: 6,218 across 48 ZIPs; Pinellas, FL candidate listings 1,709.
- Pinellas, FL HUD assisted properties: 55 with 2,967 units.
- Pinellas, FL lenders on watch: 8; largest Pinellas, FL footprint Bayfirst National Bank (5 branches).
- Pinellas, FL most distressed ZIP: 33701 at 32/100.
Pinellas, FL figures: DLRadar distress index; Pinellas, FL inputs: CFPB, FHFA, HUD, FDIC; Pinellas, FL rebuilt as sources refresh.
| Rank | Pinellas, FL ZIP | Score |
|---|---|---|
| 1 | 33701 | 32/100 |
| 2 | 33702 | 32/100 |
| 3 | 33703 | 32/100 |
| 4 | 33704 | 32/100 |
| 5 | 33705 | 32/100 |
| 6 | 33706 | 32/100 |
| 7 | 33707 | 32/100 |
| 8 | 33708 | 32/100 |
| 9 | 33709 | 32/100 |
| 10 | 33710 | 32/100 |
| 11 | 33711 | 32/100 |
| 12 | 33712 | 32/100 |
Most distressed Pinellas, FL ZIPs (0-100, 2026)
Mortgage delinquency in Pinellas, FL
1.1% of Pinellas, FL mortgages were ninety-plus days late (Pinellas, FL, December 2025); Pinellas, FL thirty-to-eighty-nine days late: 1.6%; Pinellas, FL twelve-month change +0.7%; Pinellas, FL peak since 2008: 7.6% (May 2012); Florida overall 1.2%. Pinellas, FL ninety-day series: Dec 24 0.4, Jan 25 0.5, Feb 25 0.8 (Pinellas, FL), Mar 25 0.7, Apr 25 0.7, May 25 0.8 (Pinellas, FL), Jun 25 0.7, Jul 25 0.7, Aug 25 0.7 (Pinellas, FL), Sep 25 0.7, Oct 25 0.8, Nov 25 0.9 (Pinellas, FL), Dec 25 1.1.
Opportunity index: Pinellas, FL
Pinellas, FL index 32.1, Pinellas, FL phase watchlist; Pinellas, FL primary driver vacancy, Pinellas, FL second driver bank institutional. Pinellas, FL components: property stress 32.0, foreclosure pressure 35.9, listing discounts 29.0, bank stress 57.5, insurance 0.0; Pinellas, FL pulse 35.5; Pinellas, FL capital opportunity 26.9; Pinellas, FL seven-day change +0.5%.
ZIP market phases inside Pinellas, FL
48 Pinellas, FL ZIPs carry a price-cycle phase; Pinellas, FL ZIPs by phase (Pinellas, FL), deepest drawdown first: peak, +0.6% YoY, 0.3% off peak (Pinellas, FL): 33701, 33702, 33703, 33704, Pinellas, FL 33705, 33706, 33707, 33708, Pinellas, FL 33709, 33710, 33711, 33712, Pinellas, FL 33713, 33714, 33715, 33716.
Residential listings by Pinellas, FL ZIP
Pinellas, FL ZIPs with the most tracked Pinellas, FL residential listings: 33703 604 listings, 156 candidates, bank pressure 60; 33702 508 listings, 190 candidates, bank pressure 60; 33701 496 listings, 87 candidates, bank pressure 60; 33705 469 listings, 91 candidates, bank pressure 60 (Pinellas, FL); 33713 459 listings, 48 candidates, bank pressure 60; 33710 441 listings, 92 candidates, bank pressure 60; 33709 376 listings, 154 candidates, bank pressure 60; 33712 349 listings, 79 candidates, bank pressure 60. Pinellas, FL totals: 6,218 listings; Pinellas, FL candidates 1,709; active ZIPs 3.
HUD assisted housing in Pinellas, FL
55 assisted properties with 2,967 units sit in Pinellas, FL; largest Pinellas, FL properties: John Knox Apts (Saint Petersburg) 300 units, 300 assisted; Sur Club Apartments (St. Petersburg) 296 units; Lexington Club At Renaissance Square (Clearwater) 240 units in Pinellas, FL; Bay Pointe Towers (South Pasadena) 210 units; Philip Benjamin Tower (Saint Petersburg) 199 units; 5th Avenue Residences (St Petersburg) 132 units.
Lenders with branches in Pinellas, FL
Pinellas, FL lenders by branch count: Bayfirst National Bank (Pinellas, FL): stress 90, 5 branches moderate in Pinellas, FL; Flagship Bank (Pinellas, FL): stress 64, 5 branches low in Pinellas, FL; Bankunited National Assn (Pinellas, FL): stress 76, 3 branches low in Pinellas, FL; Bank Of Tampa (Pinellas, FL): stress 66, 3 branches moderate in Pinellas, FL; Seacoast National Bank (Pinellas, FL): stress 58, 3 branches low in Pinellas, FL; Echelon Bank (Pinellas, FL): stress 50, 2 branches low in Pinellas, FL; Southstate Bank Na (Pinellas, FL): stress 48, 2 branches low in Pinellas, FL; Waterfall Bank (Pinellas, FL): stress 79, 1 branch low in Pinellas, FL.
Vacancy and permits, Pinellas, FL
91,634 of 520,107 Pinellas, FL housing units are vacant; Pinellas, FL permits, twelve months: 2,568 multifamily units in Pinellas, FL, 1,525 one-to-four unit units.
Work Pinellas, FL at the parcel level
Every Pinellas, FL parcel carries owner and address; every Pinellas, FL parcel carries APN; Pinellas, FL distress scores sit on the Pinellas, FL live board; Pinellas, FL lead lists by signal.
Pinellas, FL figures refresh with each source.
Pinellas, FL questions
Most distressed ZIP code in Pinellas County, FL?
ZIP 33701 leads Pinellas, FL at 32/100; next in Pinellas, FL: 33702 at 32/100; the Pinellas, FL average is 32/100.
Where does Pinellas County, FL rank for investment opportunity?
Pinellas, FL is #768 among all ranked counties, #60 in Florida; the Pinellas, FL driver is vacancy; Pinellas, FL moved up 380 places.
How many mortgages are delinquent in Pinellas County, FL?
1.1% of Pinellas, FL mortgages were ninety-plus days late in December 2025; the Pinellas, FL peak since 2008 was 7.6%.
Which banks lend in Pinellas County, FL?
8 watched lenders hold Pinellas, FL branches; the largest Pinellas, FL footprints are Bayfirst National Bank (5), Flagship Bank (5), Bankunited National Assn (3).
More on Pinellas, FL
Pinellas County, FL distress report: public-record figures for Pinellas, FL; not legal advice for Pinellas, FL; not tax or investment advice; verify every Pinellas, FL record before acting.