Sarasota County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Sarasota County, FL distress report, 2026: 28 ZIPs scored in Sarasota, FL, Sarasota, FL average 52/100; the top Sarasota, FL ZIP is 34224 at 66/100; Sarasota, FL market phase contraction, Sarasota, FL prices -1.5% year over year.
- Sarasota, FL ranks #4 nationally (opportunity index); Sarasota, FL #4 in Florida; Sarasota, FL index 43.9.
- Sarasota, FL ninety-day mortgage delinquency 0.9% in December 2025; Sarasota, FL twelve-month change +0.6%.
- Sarasota, FL ZIP phases: 27 contraction, 1 peak.
- Sarasota, FL residential listings tracked: 543 across 24 ZIPs; Sarasota, FL candidate listings 216.
- Sarasota, FL HUD assisted properties: 14 with 1,667 units.
- Sarasota, FL lenders on watch: 7; largest Sarasota, FL footprint Bayfirst National Bank (3 branches).
- Sarasota, FL most distressed ZIP: 34224 at 66/100.
Sarasota, FL figures: DLRadar distress index; Sarasota, FL inputs: CFPB, FHFA, HUD, FDIC; Sarasota, FL rebuilt as sources refresh.
| Rank | Sarasota, FL ZIP | Score |
|---|---|---|
| 1 | 34224 | 66/100 |
| 2 | 34223 | 53/100 |
| 3 | 34229 | 53/100 |
| 4 | 34231 | 53/100 |
| 5 | 34232 | 53/100 |
| 6 | 34233 | 53/100 |
| 7 | 34234 | 53/100 |
| 8 | 34235 | 53/100 |
| 9 | 34236 | 53/100 |
| 10 | 34237 | 53/100 |
| 11 | 34238 | 53/100 |
| 12 | 34239 | 53/100 |
Most distressed Sarasota, FL ZIPs (0-100, 2026)
Mortgage delinquency in Sarasota, FL
0.9% of Sarasota, FL mortgages were ninety-plus days late (Sarasota, FL, December 2025); Sarasota, FL thirty-to-eighty-nine days late: 1.6%; Sarasota, FL twelve-month change +0.6%; Sarasota, FL peak since 2008: 7.6% (November 2011); Florida overall 1.2%. Sarasota, FL ninety-day series: Dec 24 0.3, Jan 25 0.4, Feb 25 0.6 (Sarasota, FL), Mar 25 0.6, Apr 25 0.5, May 25 0.5 (Sarasota, FL), Jun 25 0.6, Jul 25 0.6, Aug 25 0.9 (Sarasota, FL), Sep 25 0.9, Oct 25 0.9, Nov 25 0.9 (Sarasota, FL), Dec 25 0.9.
Opportunity index: Sarasota, FL
Sarasota, FL index 43.9, Sarasota, FL phase strong_buy; Sarasota, FL primary driver vacancy, Sarasota, FL second driver construction. Sarasota, FL components: property stress 44.8, foreclosure pressure 50.1, listing discounts 37.1, bank stress 55.2, insurance 46.9; Sarasota, FL pulse 51.1; Sarasota, FL capital opportunity 33.1.
ZIP market phases inside Sarasota, FL
28 Sarasota, FL ZIPs carry a price-cycle phase; Sarasota, FL ZIPs by phase (Sarasota, FL), deepest drawdown first: contraction, -3.1% YoY, 9.1% off peak (Sarasota, FL): 34224; contraction, -1.6% YoY, 5.3% off peak (Sarasota, FL): 34223; contraction, -1.5% YoY, 4.9% off peak (Sarasota, FL): 34229, 34231, 34232, 34233, Sarasota, FL 34234, 34235, 34236, 34237, Sarasota, FL 34238, 34239, 34241, 34242, Sarasota, FL 34243, 34275.
Residential listings by Sarasota, FL ZIP
Sarasota, FL ZIPs with the most tracked Sarasota, FL residential listings: 34286 46 listings, 26 candidates, bank pressure 60; 34287 38 listings, 10 candidates, bank pressure 60; 34234 37 listings, 5 candidates, bank pressure 60; 34228 36 listings, 16 candidates, bank pressure 62 (Sarasota, FL); 34232 36 listings, 15 candidates, bank pressure 60; 34223 34 listings, 21 candidates, bank pressure 60; 34293 34 listings, 24 candidates, bank pressure 60; 34288 31 listings, 10 candidates, bank pressure 60. Sarasota, FL totals: 543 listings; Sarasota, FL candidates 216; active ZIPs 0.
HUD assisted housing in Sarasota, FL
14 assisted properties with 1,667 units sit in Sarasota, FL; largest Sarasota, FL properties: Ridgelake Apartments (Sarasota) 329 units; 50 Paramount Apartments (Sarasota) 284 units; Flats At Sundown Apartments (North Port) 224 units in Sarasota, FL; Lyra Sarasota (Sarasota) 222 units; Rolling Green (Sarasota) 118 units; Hub Lofts (Sarasota) 97 units.
Lenders with branches in Sarasota, FL
Sarasota, FL lenders by branch count: Bayfirst National Bank (Sarasota, FL): stress 90, 3 branches moderate in Sarasota, FL; Seacoast National Bank (Sarasota, FL): stress 58, 3 branches low in Sarasota, FL; Crews Bank&Trust (Sarasota, FL): stress 50, 3 branches low in Sarasota, FL; Southstate Bank Na (Sarasota, FL): stress 48, 3 branches low in Sarasota, FL; Gulfside Bank (Sarasota, FL): stress 60, 2 branches moderate in Sarasota, FL; Bankunited National Assn (Sarasota, FL): stress 76, 1 branch moderate in Sarasota, FL; Bank Of Tampa (Sarasota, FL): stress 66, 1 branch moderate in Sarasota, FL.
Vacancy and permits, Sarasota, FL
54,288 of 266,492 Sarasota, FL housing units are vacant; Sarasota, FL permits, twelve months: 1,317 multifamily units in Sarasota, FL, 4,208 one-to-four unit units.
Work Sarasota, FL at the parcel level
Every Sarasota, FL parcel carries owner and address; every Sarasota, FL parcel carries APN; Sarasota, FL distress scores sit on the Sarasota, FL live board; Sarasota, FL lead lists by signal.
Sarasota, FL figures refresh with each source.
Sarasota, FL questions
Most distressed ZIP code in Sarasota County, FL?
ZIP 34224 leads Sarasota, FL at 66/100; next in Sarasota, FL: 34223 at 53/100; the Sarasota, FL average is 52/100.
Where does Sarasota County, FL rank for investment opportunity?
Sarasota, FL is #4 among all ranked counties, #4 in Florida; the Sarasota, FL driver is vacancy; Sarasota, FL moved up 2 places.
How many mortgages are delinquent in Sarasota County, FL?
0.9% of Sarasota, FL mortgages were ninety-plus days late in December 2025; the Sarasota, FL peak since 2008 was 7.6%.
Which banks lend in Sarasota County, FL?
7 watched lenders hold Sarasota, FL branches; the largest Sarasota, FL footprints are Bayfirst National Bank (3), Seacoast National Bank (3), Crews Bank&Trust (3).
More on Sarasota, FL
Sarasota County, FL distress report: public-record figures for Sarasota, FL; not legal advice for Sarasota, FL; not tax or investment advice; verify every Sarasota, FL record before acting.