Florida Foreclosures, Tax Liens & Distressed Properties

DLRadar grades property distress across all of Florida from verifiable public records alone. 67 counties and 1,013 ZIPs are tracked statewide, averaging 36/100. Most Florida counties sit in a peak phase, with home prices up 1.7% year over year. By market phase, the county split is 35 peak, 16 contraction, 6 expansion, 6 recovery.

Leading Florida on distress: Hamilton County, Lafayette County, Holmes County, Jackson County, Suwannee County — each with its own report.

The most-distressed Florida ZIP codes are 33946 (66/100), 33947 (66/100), 33948 (66/100), 33950 (66/100), 33952 (66/100).

The Florida breakdown, county by county:

Alachua County: contraction, little price movement, 2.1% below peak, bank stress 39/100. Baker County — contraction, a 0.9% slide, 1.8% below peak, a 41/100 lender reading. DLRadar reads Bay County as neutral — up 3.8% on the year, headwind 32/100. Bradford County reads peak — prices up 3.8%, headwind 30/100. Brevard County reads recovery — values rising 1.2%, headwind 52/100. Broward County — peak, appreciation near 0.6%, a 52/100 lender reading. Calhoun County is in its peak phase, up 3.8% on the year.

In Charlotte County, contraction: homes -3.2% YoY, down 10.9% from its high, lender pressure 32/100. Citrus County sits in expansion, up 5.0% on the year, lender pressure 38/100. Clay County is contraction (down 0.9% on the year, 1.8% below peak, headwind 36/100). Collier County is recovery (homes +0.4% YoY, 1.3% off peak, lender pressure 51/100). Columbia County reads peak — homes +0.6% YoY, a 58/100 lender reading. Desoto County sits in peak, up 0.6% on the year, lender pressure 31/100. Dixie County is peak (up 3.8% on the year).

Duval County is contraction (prices down 0.9%, down 1.8% from its high, bank stress 42/100). Escambia County is in its peak phase, prices flat, lender pressure 38/100. Flagler County reads contraction — down 0.5% on the year, a 50/100 lender reading. Franklin County is peak (appreciation near 3.8%). Gadsden County: expansion, values rising 5.8%. Gilchrist County reads contraction — prices flat, down 2.1% from its high, headwind 27/100. In Glades County, peak: up 0.6% on the year, lender pressure 47/100.

Gulf County is in its peak phase, up 3.8% on the year. In Hamilton County, peak: prices up 3.8%, headwind 91/100. Hardee County: peak, appreciation near 3.8%, a 24/100 lender reading. In Hendry County, peak: values rising 0.6%, a 44/100 lender reading. In Hernando County, peak: prices up 0.6%, headwind 42/100. Highlands County reads expansion — prices up 5.3%, down 1.3% from its high. Hillsborough County — peak, prices up 0.6%, lender pressure 45/100.

Holmes County: peak, homes +3.8% YoY, headwind 84/100. DLRadar reads Indian River County as recovery — homes +2.7% YoY, a 51/100 lender reading. Jackson County is peak (appreciation near 3.8%, bank stress 69/100). In Jefferson County, expansion: appreciation near 5.8%, lender pressure 23/100. Lafayette County — peak, up 3.8% on the year, bank stress 88/100. Lake County is peak (values about even, headwind 51/100). Lee County sits in contraction, a 1.4% slide, 8.9% below peak, a 48/100 lender reading.

Leon County is in its expansion phase, homes +5.8% YoY, lender pressure 26/100. Levy County: contraction, little price movement, 2.1% off peak, bank stress 36/100. Liberty County sits in peak, homes +3.8% YoY. Madison County: peak, homes +3.8% YoY, headwind 62/100. DLRadar reads Manatee County as contraction — values off 1.5%, down 5.4% from its high, a 40/100 lender reading. Marion County — recovery, values rising 1.9%, down 1.2% from its high, a 32/100 lender reading. Martin County is in its contraction phase, values off 0.7%, bank stress 45/100.

Miami Dade County sits in peak, appreciation near 0.6%, bank stress 58/100. Monroe County — peak, homes +0.6% YoY, bank stress 33/100. Nassau County is in its contraction phase, prices down 0.9%, down 1.8% from its high, bank stress 50/100. Okaloosa County is in its neutral phase, up 4.9% on the year, bank stress 37/100. In Okeechobee County, peak: prices up 0.6%, bank stress 37/100. Orange County sits in peak, values about even, bank stress 49/100. DLRadar reads Osceola County as peak — prices flat, bank stress 44/100.

Palm Beach County — peak, appreciation near 0.6%, headwind 53/100.

Every Florida score above is deterministic: each foreclosure, mortgage-stress, tax-delinquency, lien, bank-exposure and climate signal traces back to a specific public record, then rolls up from parcel to ZIP to county. Because Florida skews peak, the value isn't the statewide average — it's the spread, where individual counties and ZIPs diverge from it.

Select any Florida county below for its breakdown, or jump into a specific ZIP's distress profile. Unlock Florida to see every distressed parcel's owner, address and APN, a per-parcel score, bank exposure and an exit read.

No matter where Florida sits nationally, the whole state runs through one nationwide scoring engine — foreclosure, tax, lien, mortgage and bank-stress signals — so a Florida county can be weighed against any market in the country on equal footing. The data is auditable end to end: Florida signals trace to public federal and county records, with nothing modeled to fill a gap.

Drilling into Florida, Hamilton County, Lafayette County, Holmes County, Jackson County, Suwannee County lead the ranking .

The Florida numbers are not single measures but composites, combining foreclosure activity, tax and lien delinquency, mortgage stress and bank headwind so two markets with the same total can differ sharply underneath.

The way to act on Florida doesn't change with the state: start at the county with the sharpest reading, drill to its highest-scoring ZIPs, then to the individual parcels behind those scores — and DLRadar carries the Florida deal from that signal through capital and closing.

As the scoring is fully auditable, any Florida reading can be reconciled against its source documents — court filings, county tax and lien records, FHFA and FDIC data — so nothing about the Florida read is a black box.