Polk County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Polk County, FL distress report, 2026: 45 ZIPs scored in Polk, FL, Polk, FL average 39/100; the top Polk, FL ZIP is 33547 at 39/100; Polk, FL market phase recovery, Polk, FL prices +1.9% year over year.
- Polk, FL ranks #75 nationally (opportunity index); Polk, FL #11 in Florida; Polk, FL index 37.7.
- Polk, FL ninety-day mortgage delinquency 2.2% in December 2025; Polk, FL twelve-month change +1.4%.
- Polk, FL ZIP phases: 40 recovery, 3 peak, 2 neutral.
- Polk, FL residential listings tracked: 2,057 across 40 ZIPs; Polk, FL candidate listings 863.
- Polk, FL HUD assisted properties: 19 with 1,985 units.
- Polk, FL lenders on watch: 5; largest Polk, FL footprint Citizens Bank&Trust (13 branches).
- Polk, FL most distressed ZIP: 33547 at 39/100.
Polk, FL figures: DLRadar distress index; Polk, FL inputs: CFPB, FHFA, HUD, FDIC; Polk, FL rebuilt as sources refresh.
| Rank | Polk, FL ZIP | Score |
|---|---|---|
| 1 | 33547 | 39/100 |
| 2 | 33801 | 39/100 |
| 3 | 33803 | 39/100 |
| 4 | 33805 | 39/100 |
| 5 | 33809 | 39/100 |
| 6 | 33810 | 39/100 |
| 7 | 33811 | 39/100 |
| 8 | 33812 | 39/100 |
| 9 | 33813 | 39/100 |
| 10 | 33815 | 39/100 |
| 11 | 33823 | 39/100 |
| 12 | 33827 | 39/100 |
Most distressed Polk, FL ZIPs (0-100, 2026)
Mortgage delinquency in Polk, FL
2.2% of Polk, FL mortgages were ninety-plus days late (Polk, FL, December 2025); Polk, FL thirty-to-eighty-nine days late: 3.8%; Polk, FL twelve-month change +1.4%; Polk, FL peak since 2008: 9.1% (January 2010); Florida overall 1.2%. Polk, FL ninety-day series: Dec 24 0.8, Jan 25 1.0, Feb 25 1.6 (Polk, FL), Mar 25 1.4, Apr 25 1.3, May 25 1.4 (Polk, FL), Jun 25 1.6, Jul 25 1.5, Aug 25 1.7 (Polk, FL), Sep 25 1.8, Oct 25 1.9, Nov 25 1.8 (Polk, FL), Dec 25 2.2.
Opportunity index: Polk, FL
Polk, FL index 37.7, Polk, FL phase strong_buy; Polk, FL primary driver vacancy, Polk, FL second driver construction. Polk, FL components: property stress 28.8, foreclosure pressure 29.4, listing discounts 42.4, bank stress 55.0, insurance 0.0; Polk, FL pulse 40.7; Polk, FL capital opportunity 33.2.
ZIP market phases inside Polk, FL
45 Polk, FL ZIPs carry a price-cycle phase; Polk, FL ZIPs by phase (Polk, FL), deepest drawdown first: recovery, +1.9% YoY, 2.2% off peak (Polk, FL): 33801, 33803, 33805, 33811, Polk, FL 33812, 33813, 33815, 33823, Polk, FL 33827, 33830, 33835, 33837, Polk, FL 33838, 33839, 33840, 33841.
Residential listings by Polk, FL ZIP
Polk, FL ZIPs with the most tracked Polk, FL residential listings: 34759 521 listings, 271 candidates, bank pressure 61; 33897 415 listings, 354 candidates, bank pressure 61; 33837 221 listings, 41 candidates, bank pressure 62; 33844 134 listings, 9 candidates, bank pressure 62 (Polk, FL); 33884 90 listings, 25 candidates, bank pressure 62; 33880 65 listings, 8 candidates, bank pressure 62; 33881 52 listings, 6 candidates, bank pressure 62; 33823 51 listings, 15 candidates, bank pressure 62. Polk, FL totals: 2,057 listings; Polk, FL candidates 863; active ZIPs 3.
HUD assisted housing in Polk, FL
19 assisted properties with 1,985 units sit in Polk, FL; largest Polk, FL properties: The Park At Palazzo (Lakeland) 352 units; Audubon Oaks (Lakeland) 286 units; Preserve At Lake Wales (Lake Wales) 260 units in Polk, FL; Villas At Lake Smart (Winter Haven) 220 units; Lakewood Terrace Apartments (Lakeland) 132 units, 132 assisted; Abbey Lane Apartments (Winter Haven) 125 units, 124 assisted.
Lenders with branches in Polk, FL
Polk, FL lenders by branch count: Citizens Bank&Trust (Polk, FL): stress 73, 13 branches low in Polk, FL; Southstate Bank Na (Polk, FL): stress 48, 10 branches low in Polk, FL; Bank Of Central Florida (Polk, FL): stress 71, 3 branches low in Polk, FL; Crews Bank&Trust (Polk, FL): stress 50, 2 branches low in Polk, FL; Axiom Bank National Assn (Polk, FL): stress 80, 1 branch low in Polk, FL.
Vacancy and permits, Polk, FL
51,323 of 340,748 Polk, FL housing units are vacant; Polk, FL permits, twelve months: 272 multifamily units in Polk, FL, 6,572 one-to-four unit units.
Work Polk, FL at the parcel level
Every Polk, FL parcel carries owner and address; every Polk, FL parcel carries APN; Polk, FL distress scores sit on the Polk, FL live board; Polk, FL lead lists by signal.
Polk, FL figures refresh with each source.
Polk, FL questions
Most distressed ZIP code in Polk County, FL?
ZIP 33547 leads Polk, FL at 39/100; next in Polk, FL: 33801 at 39/100; the Polk, FL average is 39/100.
Where does Polk County, FL rank for investment opportunity?
Polk, FL is #75 among all ranked counties, #11 in Florida; the Polk, FL driver is vacancy; Polk, FL moved up 137 places.
How many mortgages are delinquent in Polk County, FL?
2.2% of Polk, FL mortgages were ninety-plus days late in December 2025; the Polk, FL peak since 2008 was 9.1%.
Which banks lend in Polk County, FL?
5 watched lenders hold Polk, FL branches; the largest Polk, FL footprints are Citizens Bank&Trust (13), Southstate Bank Na (10), Bank Of Central Florida (3).
More on Polk, FL
Polk County, FL distress report: public-record figures for Polk, FL; not legal advice for Polk, FL; not tax or investment advice; verify every Polk, FL record before acting.