Putnam County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Putnam County, FL distress report, 2026: 17 ZIPs scored in Putnam, FL, Putnam, FL average 31/100; the top Putnam, FL ZIP is 32145 at 38/100; Putnam, FL market phase peak, Putnam, FL prices +0.6% year over year.
- Putnam, FL ranks #318 nationally (opportunity index); Putnam, FL #38 in Florida; Putnam, FL index 34.6.
- Putnam, FL: no CFPB county sample; Putnam, FL non-metro area reading 1.2%.
- Putnam, FL ZIP phases: 14 peak, 2 contraction, 1 recovery.
- Putnam, FL residential listings tracked: 77 across 13 ZIPs; Putnam, FL candidate listings 30.
- Putnam, FL HUD assisted properties: 3 with 113 units.
- Putnam, FL lenders on watch: 3; largest Putnam, FL footprint Capital City Bank (2 branches).
- Putnam, FL most distressed ZIP: 32145 at 38/100.
Putnam, FL figures: DLRadar distress index; Putnam, FL inputs: CFPB, FHFA, HUD, FDIC; Putnam, FL rebuilt as sources refresh.
| Rank | Putnam, FL ZIP | Score |
|---|---|---|
| 1 | 32145 | 38/100 |
| 2 | 32131 | 36/100 |
| 3 | 32134 | 35/100 |
| 4 | 32043 | 33/100 |
| 5 | 32140 | 32/100 |
| 6 | 32112 | 30/100 |
| 7 | 32139 | 30/100 |
| 8 | 32147 | 30/100 |
| 9 | 32148 | 30/100 |
| 10 | 32157 | 30/100 |
| 11 | 32177 | 30/100 |
| 12 | 32181 | 30/100 |
Most distressed Putnam, FL ZIPs (0-100, 2026)
Mortgage delinquency around Putnam, FL
No CFPB county sample covers Putnam, FL; the non-metro area reading for Putnam, FL: 1.2% ninety-plus; Putnam, FL area thirty-to-eighty-nine 3.4% (December 2025, Putnam, FL); Florida overall 1.2%.
Opportunity index: Putnam, FL
Putnam, FL index 34.6, Putnam, FL phase peak_opportunity; Putnam, FL primary driver vacancy, Putnam, FL second driver bank institutional. Putnam, FL components: property stress 28.0, foreclosure pressure 30.9, listing discounts 42.0, bank stress 50.8, insurance 0.0; Putnam, FL pulse 36.2; Putnam, FL capital opportunity 32.3; Putnam, FL seven-day change +0.6%.
ZIP market phases inside Putnam, FL
17 Putnam, FL ZIPs carry a price-cycle phase; Putnam, FL ZIPs by phase (Putnam, FL), deepest drawdown first: contraction, -0.9% YoY, 1.8% off peak (Putnam, FL): 32145; contraction, -0.8% YoY, 1.7% off peak (Putnam, FL): 32043; peak, +0.1% YoY, 1.4% off peak (Putnam, FL): 32640; recovery, +1.7% YoY, 1.0% off peak (Putnam, FL): 32134; peak, +0.4% YoY, 0.8% off peak (Putnam, FL): 32666; peak, +0.5% YoY, 0.4% off peak (Putnam, FL): 32140, 32131; peak, +0.6% YoY, 0.3% off peak (Putnam, FL): 32112, 32139, 32147, 32148, Putnam, FL 32157, 32177, 32181, 32187, Putnam, FL 32189.
Residential listings by Putnam, FL ZIP
Putnam, FL ZIPs with the most tracked Putnam, FL residential listings: 32148 24 listings, 14 candidates, bank pressure 56; 32177 23 listings, 5 candidates, bank pressure 56; 32189 8 listings, 1 candidates, bank pressure 56; 32666 8 listings, 4 candidates, bank pressure 60 (Putnam, FL); 32112 5 listings, 1 candidates, bank pressure 56; 32131 3 listings, 3 candidates, bank pressure 61; 32140 3 listings, 1 candidates, bank pressure 58; 32139 2 listings, 0 candidates, bank pressure 56. Putnam, FL totals: 77 listings; Putnam, FL candidates 30; active ZIPs 2.
HUD assisted housing in Putnam, FL
3 assisted properties with 113 units sit in Putnam, FL; largest Putnam, FL properties: Barry Apartments (Palatka) 76 units, 75 assisted; Progressive Housing (Palatka) 25 units, 24 assisted; Arc Of Putnam County Group Home (Palatka) 12 units, 12 assisted in Putnam, FL.
Lenders with branches in Putnam, FL
Putnam, FL lenders by branch count: Capital City Bank (Putnam, FL): stress 54, 2 branches low in Putnam, FL; Southstate Bank Na (Putnam, FL): stress 48, 2 branches low in Putnam, FL; Dlp Bank (Putnam, FL): stress 41, 1 branch low in Putnam, FL.
Vacancy and permits, Putnam, FL
5,705 of 37,065 Putnam, FL housing units are vacant; Putnam, FL permits, twelve months: 0 multifamily units in Putnam, FL, 95 one-to-four unit units.
Work Putnam, FL at the parcel level
Every Putnam, FL parcel carries owner and address; every Putnam, FL parcel carries APN; Putnam, FL distress scores sit on the Putnam, FL live board; Putnam, FL lead lists by signal.
Putnam, FL figures refresh with each source.
Putnam, FL questions
Most distressed ZIP code in Putnam County, FL?
ZIP 32145 leads Putnam, FL at 38/100; next in Putnam, FL: 32131 at 36/100; the Putnam, FL average is 31/100.
Where does Putnam County, FL rank for investment opportunity?
Putnam, FL is #318 among all ranked counties, #38 in Florida; the Putnam, FL driver is vacancy; Putnam, FL moved up 655 places.
How many mortgages are delinquent in Putnam County, FL?
Putnam, FL takes the non-metro area reading of 1.2% for December 2025; no CFPB county sample covers Putnam, FL.
Which banks lend in Putnam County, FL?
3 watched lenders hold Putnam, FL branches; the largest Putnam, FL footprints are Capital City Bank (2), Southstate Bank Na (2), Dlp Bank (1).
More on Putnam, FL
Putnam County, FL distress report: public-record figures for Putnam, FL; not legal advice for Putnam, FL; not tax or investment advice; verify every Putnam, FL record before acting.