Charlotte County, FL: Foreclosures, Tax Liens & Distressed Properties
Charlotte County, FL, Florida: 17 ZIP codes scored, Charlotte County, FL averaging 62/100 (high, Charlotte, FL), from 28 to 66. Charlotte County, FL is in its contraction phase (Charlotte, FL confidence 38/100): Charlotte, FL home prices down 3.2% (Charlotte, FL) over twelve months, 9.3% under their peak. Charlotte County, FL lender headwind: 32/100.
Highest-scoring Charlotte County, FL ZIPs: 33946 (66/100), 33947 (66/100), 33948 (66/100), 33950 (66/100), 33952 (66/100), 33953 (66/100). Also scored in Charlotte County, FL: 33954, 33955, 33980, 33981, 33982, 33983, 34224, 33917, 33921, 34223.
Across Charlotte County, FL's scored ZIPs: median home value $441,988, household income $65,746, 28.2% vacancy, 9.3% poverty, 86% owner-occupied, median age 61.4.
Charlotte County, FL insurance distress 99/100 (#11 in the US); FEMA hazard 99/100 for Charlotte, FL; 18 federal disaster declarations in Charlotte County, FL since 2023 (9 hurricane); 6,260 Charlotte, FL NFIP flood claims, $400.9M paid; Charlotte, FL construction distress 56/100.
12 banks with 41 branches lend in Charlotte County, FL; Charlotte, FL weighted bank stress 58/100, highest 75/100 in Charlotte, FL.
Charlotte County, FL unemployment 5.9% (Charlotte, FL -0.2 pts, six months); 3,283 new housing units permitted in Charlotte County, FL over twelve months, Charlotte, FL down 5% from 3,464; Charlotte, FL home prices +9.7% a year (Charlotte, FL) over three years.
118,679 housing units in Charlotte County, FL; 14,706 Charlotte, FL renter households; 54% of Charlotte, FL renters spend 30%+ of income on rent, 27% (Charlotte, FL) half or more.
Charlotte County, FL ranks #2 nationally on the opportunity index (Charlotte, FL, among all ranked counties); Charlotte, FL scores 47.7/100 and Charlotte, FL sits #2 inside Florida. Charlotte, FL is in the strong_buy opportunity phase; Charlotte, FL's primary driver is vacancy, Charlotte, FL second driver insurance distress; Charlotte, FL moved down 1 places. 190 short-sale listings across Charlotte, FL; 76 days on market observed in Charlotte, FL; 21.5% vacancy over 17 Charlotte, FL ZIPs.
1.3% of Charlotte County, FL mortgages were ninety-plus days late in December 2025; Charlotte, FL's thirty-to-eighty-nine-day share was 2.1% (CFPB county sample). Charlotte, FL's ninety-day rate is up 0.7 points on twelve months earlier; the Charlotte, FL peak since 2008 was 7.3% in September 2009; Florida overall reads 1.2%.
Charlotte County, FL has 1 watched bank; 1 Charlotte, FL bank sits in an elevated band. Charlotte, FL footprints: Crews Bank&Trust (8 branches, stress 50) in Charlotte, FL.
HUD lists 8 assisted multifamily properties in Charlotte County, FL with 664 units; 326 Charlotte, FL units are assisted, 3 Charlotte, FL properties under project-based Section 8.
28,137 of the 118,679 housing units in Charlotte, FL sit vacant. Charlotte County, FL permitted 286 multifamily units in twelve months; Charlotte, FL's one-to-four unit structures added 2,997 units in Charlotte County, FL.