St Johns County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St Johns County, FL distress report, 2026: 12 ZIPs scored in St Johns, FL, St Johns, FL average 38/100; the top St Johns, FL ZIP is 32033 at 38/100; St Johns, FL market phase contraction, St Johns, FL prices -0.9% year over year.
- St Johns, FL ranks #83 nationally (opportunity index); St Johns, FL #13 in Florida; St Johns, FL index 37.5.
- St Johns, FL ninety-day mortgage delinquency 0.7% in December 2025; St Johns, FL twelve-month change +0.3%.
- St Johns, FL ZIP phases: 11 contraction, 1 peak.
- St Johns, FL residential listings tracked: 164 across 10 ZIPs; St Johns, FL candidate listings 59.
- St Johns, FL lenders on watch: 3; largest St Johns, FL footprint Southstate Bank Na (3 branches).
- St Johns, FL most distressed ZIP: 32033 at 38/100.
St Johns, FL figures: DLRadar distress index; St Johns, FL inputs: CFPB, FHFA, HUD, FDIC; St Johns, FL rebuilt as sources refresh.
| Rank | St Johns, FL ZIP | Score |
|---|---|---|
| 1 | 32033 | 38/100 |
| 2 | 32080 | 38/100 |
| 3 | 32081 | 38/100 |
| 4 | 32082 | 38/100 |
| 5 | 32084 | 38/100 |
| 6 | 32086 | 38/100 |
| 7 | 32092 | 38/100 |
| 8 | 32095 | 38/100 |
| 9 | 32145 | 38/100 |
| 10 | 32259 | 38/100 |
| 11 | 32131 | 36/100 |
| 12 | 32224 | 36/100 |
Most distressed St Johns, FL ZIPs (0-100, 2026)
Mortgage delinquency in St Johns, FL
0.7% of St Johns, FL mortgages were ninety-plus days late (St Johns, FL, December 2025); St Johns, FL thirty-to-eighty-nine days late: 1.3%; St Johns, FL twelve-month change +0.3%; St Johns, FL peak since 2008: 5.4% (May 2012); Florida overall 1.2%. St Johns, FL ninety-day series: Dec 24 0.4, Jan 25 0.5, Feb 25 0.6 (St Johns, FL), Mar 25 0.6, Apr 25 0.5, May 25 0.5 (St Johns, FL), Jun 25 0.5, Jul 25 0.6, Aug 25 0.5 (St Johns, FL), Sep 25 0.6, Oct 25 0.6, Nov 25 0.6 (St Johns, FL), Dec 25 0.7.
Opportunity index: St Johns, FL
St Johns, FL index 37.5, St Johns, FL phase strong_buy; St Johns, FL primary driver construction, St Johns, FL second driver vacancy. St Johns, FL components: property stress 32.8, foreclosure pressure 33.7, listing discounts 38.0, bank stress 58.1, insurance 0.0; St Johns, FL pulse 42.4; St Johns, FL capital opportunity 30.2.
ZIP market phases inside St Johns, FL
12 St Johns, FL ZIPs carry a price-cycle phase; St Johns, FL ZIPs by phase (St Johns, FL), deepest drawdown first: contraction, -0.9% YoY, 1.8% off peak (St Johns, FL): 32033, 32081, 32082, 32084, St Johns, FL 32086, 32092, 32095, 32224, St Johns, FL 32259, 32080, 32145; peak, +0.5% YoY, 0.4% off peak (St Johns, FL): 32131.
Residential listings by St Johns, FL ZIP
St Johns, FL ZIPs with the most tracked St Johns, FL residential listings: 32086 27 listings, 11 candidates, bank pressure 62; 32259 27 listings, 6 candidates, bank pressure 60; 32084 25 listings, 6 candidates, bank pressure 62; 32092 24 listings, 12 candidates, bank pressure 62 (St Johns, FL); 32095 19 listings, 12 candidates, bank pressure 62; 32080 13 listings, 2 candidates, bank pressure 63; 32081 11 listings, 3 candidates, bank pressure 60; 32082 11 listings, 3 candidates, bank pressure 62. St Johns, FL totals: 164 listings; St Johns, FL candidates 59; active ZIPs 0.
Lenders with branches in St Johns, FL
St Johns, FL lenders by branch count: Southstate Bank Na (St Johns, FL): stress 48, 3 branches low in St Johns, FL; Central Bank (St Johns, FL): stress 77, 1 branch low in St Johns, FL; Capital City Bank (St Johns, FL): stress 54, 1 branch low in St Johns, FL.
Vacancy and permits, St Johns, FL
17,710 of 133,504 St Johns, FL housing units are vacant; St Johns, FL permits, twelve months: 313 multifamily units in St Johns, FL, 3,124 one-to-four unit units.
Work St Johns, FL at the parcel level
Every St Johns, FL parcel carries owner and address; every St Johns, FL parcel carries APN; St Johns, FL distress scores sit on the St Johns, FL live board; St Johns, FL lead lists by signal.
St Johns, FL figures refresh with each source.
St Johns, FL questions
Most distressed ZIP code in St Johns County, FL?
ZIP 32033 leads St Johns, FL at 38/100; next in St Johns, FL: 32080 at 38/100; the St Johns, FL average is 38/100.
Where does St Johns County, FL rank for investment opportunity?
St Johns, FL is #83 among all ranked counties, #13 in Florida; the St Johns, FL driver is construction; St Johns, FL moved up 23 places.
How many mortgages are delinquent in St Johns County, FL?
0.7% of St Johns, FL mortgages were ninety-plus days late in December 2025; the St Johns, FL peak since 2008 was 5.4%.
Which banks lend in St Johns County, FL?
3 watched lenders hold St Johns, FL branches; the largest St Johns, FL footprints are Southstate Bank Na (3), Central Bank (1), Capital City Bank (1).
More on St Johns, FL
St Johns County, FL distress report: public-record figures for St Johns, FL; not legal advice for St Johns, FL; not tax or investment advice; verify every St Johns, FL record before acting.