St Lucie County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St Lucie County, FL distress report, 2026: 17 ZIPs scored in St Lucie, FL, St Lucie, FL average 37/100; the top St Lucie, FL ZIP is 34945 at 38/100; St Lucie, FL market phase contraction, St Lucie, FL prices -0.7% year over year.
- St Lucie, FL ranks #289 nationally (opportunity index); St Lucie, FL #35 in Florida; St Lucie, FL index 34.8.
- St Lucie, FL ninety-day mortgage delinquency 1.8% in December 2025; St Lucie, FL twelve-month change +1.0%.
- St Lucie, FL ZIP phases: 16 contraction, 1 peak.
- St Lucie, FL residential listings tracked: 494 across 14 ZIPs; St Lucie, FL candidate listings 93.
- St Lucie, FL lenders on watch: 2; largest St Lucie, FL footprint Seacoast National Bank (5 branches).
- St Lucie, FL most distressed ZIP: 34945 at 38/100.
St Lucie, FL figures: DLRadar distress index; St Lucie, FL inputs: CFPB, FHFA, HUD, FDIC; St Lucie, FL rebuilt as sources refresh.
| Rank | St Lucie, FL ZIP | Score |
|---|---|---|
| 1 | 34945 | 38/100 |
| 2 | 34946 | 38/100 |
| 3 | 34947 | 38/100 |
| 4 | 34949 | 38/100 |
| 5 | 34950 | 38/100 |
| 6 | 34951 | 38/100 |
| 7 | 34952 | 38/100 |
| 8 | 34953 | 38/100 |
| 9 | 34981 | 38/100 |
| 10 | 34982 | 38/100 |
| 11 | 34983 | 38/100 |
| 12 | 34984 | 38/100 |
Most distressed St Lucie, FL ZIPs (0-100, 2026)
Mortgage delinquency in St Lucie, FL
1.8% of St Lucie, FL mortgages were ninety-plus days late (St Lucie, FL, December 2025); St Lucie, FL thirty-to-eighty-nine days late: 3.3%; St Lucie, FL twelve-month change +1.0%; St Lucie, FL peak since 2008: 11.4% (December 2009); Florida overall 1.2%. St Lucie, FL ninety-day series: Dec 24 0.8, Jan 25 1.2, Feb 25 1.3 (St Lucie, FL), Mar 25 1.6, Apr 25 1.3, May 25 1.1 (St Lucie, FL), Jun 25 1.6, Jul 25 1.7, Aug 25 1.6 (St Lucie, FL), Sep 25 1.8, Oct 25 2.0, Nov 25 1.8 (St Lucie, FL), Dec 25 1.8.
Opportunity index: St Lucie, FL
St Lucie, FL index 34.8, St Lucie, FL phase peak_opportunity; St Lucie, FL primary driver construction, St Lucie, FL second driver bank institutional. St Lucie, FL components: property stress 26.0, foreclosure pressure 25.8, listing discounts 37.1, bank stress 61.7, insurance 0.0; St Lucie, FL pulse 39.3; St Lucie, FL capital opportunity 28.0; St Lucie, FL seven-day change +0.3%.
ZIP market phases inside St Lucie, FL
17 St Lucie, FL ZIPs carry a price-cycle phase; St Lucie, FL ZIPs by phase (St Lucie, FL), deepest drawdown first: contraction, -0.7% YoY, 0.8% off peak (St Lucie, FL): 34945, 34946, 34947, 34949, St Lucie, FL 34950, 34951, 34952, 34953, St Lucie, FL 34957, 34981, 34982, 34983, St Lucie, FL 34984, 34986, 34987, 34990.
Residential listings by St Lucie, FL ZIP
St Lucie, FL ZIPs with the most tracked St Lucie, FL residential listings: 34953 85 listings, 12 candidates, bank pressure 65; 34952 67 listings, 18 candidates, bank pressure 65; 34983 65 listings, 4 candidates, bank pressure 65; 34987 51 listings, 4 candidates, bank pressure 65 (St Lucie, FL); 34986 42 listings, 10 candidates, bank pressure 65; 34950 33 listings, 14 candidates, bank pressure 65; 34951 33 listings, 3 candidates, bank pressure 65; 34984 33 listings, 8 candidates, bank pressure 65. St Lucie, FL totals: 494 listings; St Lucie, FL candidates 93; active ZIPs 0.
Lenders with branches in St Lucie, FL
St Lucie, FL lenders by branch count: Seacoast National Bank (St Lucie, FL): stress 58, 5 branches low in St Lucie, FL; Southstate Bank Na (St Lucie, FL): stress 48, 3 branches low in St Lucie, FL.
Vacancy and permits, St Lucie, FL
22,693 of 160,146 St Lucie, FL housing units are vacant; St Lucie, FL permits, twelve months: 66 multifamily units in St Lucie, FL, 3,250 one-to-four unit units.
Work St Lucie, FL at the parcel level
Every St Lucie, FL parcel carries owner and address; every St Lucie, FL parcel carries APN; St Lucie, FL distress scores sit on the St Lucie, FL live board; St Lucie, FL lead lists by signal.
St Lucie, FL figures refresh with each source.
St Lucie, FL questions
Most distressed ZIP code in St Lucie County, FL?
ZIP 34945 leads St Lucie, FL at 38/100; next in St Lucie, FL: 34946 at 38/100; the St Lucie, FL average is 37/100.
Where does St Lucie County, FL rank for investment opportunity?
St Lucie, FL is #289 among all ranked counties, #35 in Florida; the St Lucie, FL driver is construction; St Lucie, FL moved up 60 places.
How many mortgages are delinquent in St Lucie County, FL?
1.8% of St Lucie, FL mortgages were ninety-plus days late in December 2025; the St Lucie, FL peak since 2008 was 11.4%.
Which banks lend in St Lucie County, FL?
2 watched lenders hold St Lucie, FL branches; the largest St Lucie, FL footprints are Seacoast National Bank (5), Southstate Bank Na (3).
More on St Lucie, FL
St Lucie County, FL distress report: public-record figures for St Lucie, FL; not legal advice for St Lucie, FL; not tax or investment advice; verify every St Lucie, FL record before acting.