Santa Rosa County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Santa Rosa County, FL distress report, 2026: 10 ZIPs scored in Santa Rosa, FL, Santa Rosa, FL average 33/100; the top Santa Rosa, FL ZIP is 32531 at 36/100; Santa Rosa, FL market phase peak, Santa Rosa, FL prices +0.2% year over year.
- Santa Rosa, FL ranks #784 nationally (opportunity index); Santa Rosa, FL #58 in Florida; Santa Rosa, FL index 32.0.
- Santa Rosa, FL ninety-day mortgage delinquency 1.4% in December 2025; Santa Rosa, FL twelve-month change +0.3%.
- Santa Rosa, FL ZIP phases: 9 peak, 1 neutral.
- Santa Rosa, FL residential listings tracked: 336 across 8 ZIPs; Santa Rosa, FL candidate listings 185.
- Santa Rosa, FL HUD assisted properties: 2 with 324 units.
- Santa Rosa, FL lenders on watch: 2; largest Santa Rosa, FL footprint Fnbt Bank (1 branch).
- Santa Rosa, FL most distressed ZIP: 32531 at 36/100.
Santa Rosa, FL figures: DLRadar distress index; Santa Rosa, FL inputs: CFPB, FHFA, HUD, FDIC; Santa Rosa, FL rebuilt as sources refresh.
| Rank | Santa Rosa, FL ZIP | Score |
|---|---|---|
| 1 | 32531 | 36/100 |
| 2 | 32564 | 34/100 |
| 3 | 32530 | 33/100 |
| 4 | 32561 | 33/100 |
| 5 | 32563 | 33/100 |
| 6 | 32565 | 33/100 |
| 7 | 32566 | 33/100 |
| 8 | 32570 | 33/100 |
| 9 | 32571 | 33/100 |
| 10 | 32583 | 33/100 |
Most distressed Santa Rosa, FL ZIPs (0-100, 2026)
Mortgage delinquency in Santa Rosa, FL
1.4% of Santa Rosa, FL mortgages were ninety-plus days late (Santa Rosa, FL, December 2025); Santa Rosa, FL thirty-to-eighty-nine days late: 2.5%; Santa Rosa, FL twelve-month change +0.3%; Santa Rosa, FL peak since 2008: 5.2% (March 2010); Florida overall 1.2%. Santa Rosa, FL ninety-day series: Dec 24 1.1, Jan 25 1.4, Feb 25 1.2 (Santa Rosa, FL), Mar 25 1.1, Apr 25 1.2, May 25 1.3 (Santa Rosa, FL), Jun 25 1.2, Jul 25 1.2, Aug 25 1.4 (Santa Rosa, FL), Sep 25 1.3, Oct 25 1.3, Nov 25 1.5 (Santa Rosa, FL), Dec 25 1.4.
Opportunity index: Santa Rosa, FL
Santa Rosa, FL index 32.0, Santa Rosa, FL phase watchlist; Santa Rosa, FL primary driver bank institutional, Santa Rosa, FL second driver vacancy. Santa Rosa, FL components: property stress 22.1, foreclosure pressure 21.6, listing discounts 43.9, bank stress 49.0, insurance 0.0; Santa Rosa, FL pulse 31.8; Santa Rosa, FL capital opportunity 32.2; Santa Rosa, FL seven-day change +0.3%.
ZIP market phases inside Santa Rosa, FL
10 Santa Rosa, FL ZIPs carry a price-cycle phase; Santa Rosa, FL ZIPs by phase (Santa Rosa, FL), deepest drawdown first: peak, +0.2% YoY, 0.3% off peak (Santa Rosa, FL): 32530, 32561, 32563, 32565, Santa Rosa, FL 32566, 32570, 32571, 32583; peak, +2.6% YoY, 0.2% off peak (Santa Rosa, FL): 32564; neutral, +4.4% YoY, 0.0% off peak (Santa Rosa, FL): 32531.
Residential listings by Santa Rosa, FL ZIP
Santa Rosa, FL ZIPs with the most tracked Santa Rosa, FL residential listings: 32564 191 listings, 154 candidates, bank pressure 59; 32566 37 listings, 7 candidates, bank pressure 55; 32583 37 listings, 8 candidates, bank pressure 55; 32570 24 listings, 8 candidates, bank pressure 55 (Santa Rosa, FL); 32571 23 listings, 4 candidates, bank pressure 55; 32563 20 listings, 4 candidates, bank pressure 55; 32565 4 listings, 0 candidates, bank pressure 55; 32530 0 listings, 0 candidates, bank pressure 55. Santa Rosa, FL totals: 336 listings; Santa Rosa, FL candidates 185; active ZIPs 6.
HUD assisted housing in Santa Rosa, FL
2 assisted properties with 324 units sit in Santa Rosa, FL; largest Santa Rosa, FL properties: Reserve (Gulf Breeze) 176 units; Greystone Summit Gulf Breeze (Gulf Breeze) 148 units.
Lenders with branches in Santa Rosa, FL
Santa Rosa, FL lenders by branch count: Fnbt Bank (Santa Rosa, FL): stress 56, 1 branch low in Santa Rosa, FL; Southstate Bank Na (Santa Rosa, FL): stress 48, 1 branch low in Santa Rosa, FL.
Vacancy and permits, Santa Rosa, FL
7,397 of 80,002 Santa Rosa, FL housing units are vacant; Santa Rosa, FL permits, twelve months: 170 multifamily units in Santa Rosa, FL, 1,941 one-to-four unit units.
Work Santa Rosa, FL at the parcel level
Every Santa Rosa, FL parcel carries owner and address; every Santa Rosa, FL parcel carries APN; Santa Rosa, FL distress scores sit on the Santa Rosa, FL live board; Santa Rosa, FL lead lists by signal.
Santa Rosa, FL figures refresh with each source.
Santa Rosa, FL questions
Most distressed ZIP code in Santa Rosa County, FL?
ZIP 32531 leads Santa Rosa, FL at 36/100; next in Santa Rosa, FL: 32564 at 34/100; the Santa Rosa, FL average is 33/100.
Where does Santa Rosa County, FL rank for investment opportunity?
Santa Rosa, FL is #784 among all ranked counties, #58 in Florida; the Santa Rosa, FL driver is bank institutional; Santa Rosa, FL moved up 1,100 places.
How many mortgages are delinquent in Santa Rosa County, FL?
1.4% of Santa Rosa, FL mortgages were ninety-plus days late in December 2025; the Santa Rosa, FL peak since 2008 was 5.2%.
Which banks lend in Santa Rosa County, FL?
2 watched lenders hold Santa Rosa, FL branches; the largest Santa Rosa, FL footprints are Fnbt Bank (1), Southstate Bank Na (1).
More on Santa Rosa, FL
Santa Rosa County, FL distress report: public-record figures for Santa Rosa, FL; not legal advice for Santa Rosa, FL; not tax or investment advice; verify every Santa Rosa, FL record before acting.