Florida Foreclosures, Tax Liens & Distressed Properties

DLRadar grades property distress across all of Florida from verifiable 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 9.3% 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, 8.7% 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 4.9% 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.

Florida opportunity phases: 31 peak_opportunity, 23 strong_buy, 11 watchlist, 1 early_signal, 1 overheated; Florida average index 35.8. Best-ranked Florida counties: Hamilton #1 (48.7), vacancy; Charlotte #2 (47.7), vacancy; Lee #3 (45.5), vacancy in Florida; Sarasota #4 (44.3), vacancy; Calhoun #8 (43.2), vacancy; Okaloosa #27 (39.7), vacancy.

Florida mortgages ninety-plus days late: 1.2%; Florida thirty-to-eighty-nine days late 2.4% (December 2025); 35 Florida counties sit in the CFPB sample; highest Florida county readings: Polk 2.2%, Hernando 1.8%, St Lucie 1.8%, Volusia 1.7%, Marion 1.7%.

Florida county unemployment averages 5.2% across 67 counties; Florida permitted 158,370 housing units in twelve months (47,486 multifamily); 1,503,660 of 10,256,470 Florida housing units are vacant; 2,794,102 Florida renter households, 47.6% spending 30%+ of income on rent.

Florida ZIP price-cycle phases: 2,760 peak, 713 contraction, 339 recovery, 172 neutral, 129 expansion.