Seminole County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Seminole County, FL distress report, 2026: 17 ZIPs scored in Seminole, FL, Seminole, FL average 38/100; the top Seminole, FL ZIP is 32703 at 39/100; Seminole, FL market phase peak, Seminole, FL prices +0.3% year over year.
- Seminole, FL ranks #768 nationally (opportunity index); Seminole, FL #60 in Florida; Seminole, FL index 32.1.
- Seminole, FL ninety-day mortgage delinquency 0.8% in December 2025; Seminole, FL twelve-month change +0.5%.
- Seminole, FL ZIP phases: 17 peak.
- Seminole, FL residential listings tracked: 4,911 across 14 ZIPs; Seminole, FL candidate listings 3,126.
- Seminole, FL HUD assisted properties: 5 with 976 units.
- Seminole, FL lenders on watch: 5; largest Seminole, FL footprint Seacoast National Bank (4 branches).
- Seminole, FL most distressed ZIP: 32703 at 39/100.
Seminole, FL figures: DLRadar distress index; Seminole, FL inputs: CFPB, FHFA, HUD, FDIC; Seminole, FL rebuilt as sources refresh.
| Rank | Seminole, FL ZIP | Score |
|---|---|---|
| 1 | 32703 | 39/100 |
| 2 | 32810 | 39/100 |
| 3 | 32701 | 38/100 |
| 4 | 32707 | 38/100 |
| 5 | 32708 | 38/100 |
| 6 | 32714 | 38/100 |
| 7 | 32730 | 38/100 |
| 8 | 32732 | 38/100 |
| 9 | 32746 | 38/100 |
| 10 | 32750 | 38/100 |
| 11 | 32751 | 38/100 |
| 12 | 32765 | 38/100 |
Most distressed Seminole, FL ZIPs (0-100, 2026)
Mortgage delinquency in Seminole, FL
0.8% of Seminole, FL mortgages were ninety-plus days late (Seminole, FL, December 2025); Seminole, FL thirty-to-eighty-nine days late: 2.0%; Seminole, FL twelve-month change +0.5%; Seminole, FL peak since 2008: 8.2% (May 2012); Florida overall 1.2%. Seminole, FL ninety-day series: Dec 24 0.3, Jan 25 0.3, Feb 25 0.5 (Seminole, FL), Mar 25 0.6, Apr 25 0.6, May 25 0.7 (Seminole, FL), Jun 25 0.7, Jul 25 0.8, Aug 25 0.8 (Seminole, FL), Sep 25 0.9, Oct 25 0.9, Nov 25 0.9 (Seminole, FL), Dec 25 0.8.
Opportunity index: Seminole, FL
Seminole, FL index 32.1, Seminole, FL phase watchlist; Seminole, FL primary driver construction, Seminole, FL second driver bank institutional. Seminole, FL components: property stress 21.3, foreclosure pressure 21.2, listing discounts 36.6, bank stress 55.3, insurance 0.0; Seminole, FL pulse 34.8; Seminole, FL capital opportunity 28.1; Seminole, FL seven-day change +0.5%.
ZIP market phases inside Seminole, FL
17 Seminole, FL ZIPs carry a price-cycle phase; Seminole, FL ZIPs by phase (Seminole, FL), deepest drawdown first: peak, +0.3% YoY, 0.7% off peak (Seminole, FL): 32701, 32703, 32707, 32708, Seminole, FL 32714, 32730, 32732, 32746, Seminole, FL 32750, 32751, 32765, 32766, Seminole, FL 32771, 32773, 32779, 32792.
Residential listings by Seminole, FL ZIP
Seminole, FL ZIPs with the most tracked Seminole, FL residential listings: 32771 662 listings, 406 candidates, bank pressure 58; 32765 646 listings, 407 candidates, bank pressure 58; 32708 508 listings, 317 candidates, bank pressure 58; 32746 486 listings, 288 candidates, bank pressure 58 (Seminole, FL); 32707 406 listings, 265 candidates, bank pressure 58; 32714 387 listings, 265 candidates, bank pressure 58; 32773 355 listings, 215 candidates, bank pressure 58; 32779 340 listings, 211 candidates, bank pressure 58. Seminole, FL totals: 4,911 listings; Seminole, FL candidates 3,126; active ZIPs 14.
HUD assisted housing in Seminole, FL
5 assisted properties with 976 units sit in Seminole, FL; largest Seminole, FL properties: Stratford Point (Sanford) 384 units; Allure On Parkway (Lake Mary) 290 units; Huntington Reserve Apartments (Sanford) 168 units in Seminole, FL; San Jose Apartments (Winter Park) 121 units; The Hacienda (Longwood) 13 units, 12 assisted.
Lenders with branches in Seminole, FL
Seminole, FL lenders by branch count: Seacoast National Bank (Seminole, FL): stress 58, 4 branches low in Seminole, FL; Bankunited National Assn (Seminole, FL): stress 76, 2 branches low in Seminole, FL; Mainstreet Cmty Bank Of Fl (Seminole, FL): stress 74, 2 branches low in Seminole, FL; One Florida Bank (Seminole, FL): stress 72, 2 branches low in Seminole, FL; Southstate Bank Na (Seminole, FL): stress 48, 2 branches low in Seminole, FL.
Vacancy and permits, Seminole, FL
12,317 of 199,565 Seminole, FL housing units are vacant; Seminole, FL permits, twelve months: 1,148 multifamily units in Seminole, FL, 740 one-to-four unit units.
Work Seminole, FL at the parcel level
Every Seminole, FL parcel carries owner and address; every Seminole, FL parcel carries APN; Seminole, FL distress scores sit on the Seminole, FL live board; Seminole, FL lead lists by signal.
Seminole, FL figures refresh with each source.
Seminole, FL questions
Most distressed ZIP code in Seminole County, FL?
ZIP 32703 leads Seminole, FL at 39/100; next in Seminole, FL: 32810 at 39/100; the Seminole, FL average is 38/100.
Where does Seminole County, FL rank for investment opportunity?
Seminole, FL is #768 among all ranked counties, #60 in Florida; the Seminole, FL driver is construction; Seminole, FL moved up 513 places.
How many mortgages are delinquent in Seminole County, FL?
0.8% of Seminole, FL mortgages were ninety-plus days late in December 2025; the Seminole, FL peak since 2008 was 8.2%.
Which banks lend in Seminole County, FL?
5 watched lenders hold Seminole, FL branches; the largest Seminole, FL footprints are Seacoast National Bank (4), Bankunited National Assn (2), Mainstreet Cmty Bank Of Fl (2).
More on Seminole, FL
Seminole County, FL distress report: public-record figures for Seminole, FL; not legal advice for Seminole, FL; not tax or investment advice; verify every Seminole, FL record before acting.