Clay County, FL: Foreclosures, Tax Liens & Distressed Properties

Every ZIP in Clay County, Florida carries a DLRadar distress score assembled from foreclosure, tax, mortgage and lender records. Across its ZIPs, composite distress spans 24 to 30 out of 100. Bank/credit headwind for the county is 36 on a 0–100 scale, a moderate reading. 12 ZIP codes are tracked county-wide, averaging 27/100 distress.

The contraction-phase county posted home values that fell 0.9% over twelve months, sitting 1.8% below its cycle peak, at 32/100 phase confidence. As the cycle turns down, equity cushions thin so patient buyers find their entries.

Clay County's -0.9% YoY slide (32/100 confidence) means conservative underwriting wins while exits stay cautious. A moderate 36/100 lender headwind implies a blend the ZIP scores sort out.

Top distress by ZIP runs 32234 (30/100), 32140 (29/100), 32666 (28/100), 32003 (27/100), 32043 (27/100), 32065 (27/100), listed with every scored ZIP below. Also scored across the county: 32068, 32073, 32079, 32656, 32058, 32091.

On the housing-and-income side, Clay County's tracked footprint report median home values around $263,436 (below the national figure), an owner-occupied share of 73%, residents with a median age around 45.3, 12.6% of households below the poverty line, a 12.2% vacancy rate, a median household income near $83,487 (near the US norm). These fundamentals signal who sells under pressure and how fast a deal moves.

Clay County, Florida's 27/100 average over 12 ZIPs says Clay County is a screen-by-ZIP market rather than a blanket buy. Unlock Clay County to see every parcel's owner, address and APN, a per-parcel score, lender exposure and exit read.

Whether Clay County, Florida carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Clay County can be compared directly against any county in the country.

Read Clay County, Florida as a heat map for effort — the county's low composite of 27/100 hides wide ZIP-level variation, and the return comes from chasing the hot ZIPs, not the average. All of it is deterministic and auditable: Clay County's numbers come from county recorders, the courts, FHFA and FDIC, with nothing interpolated or guessed when a source is sparse.

Drilling in, Clay County's highest-scoring ZIPs are 32234 (30/100), 32140 (29/100), 32666 (28/100), 32003 (27/100), 32043 (27/100), 32065 (27/100). DLRadar also scores 32068, 32073, 32079, 32656, 32058, 32091 across the county. Every one of these is scored independently — a ZIP's composite reflects its own recorded distress, which is why the county average alone hides where the real pressure sits.

Under Clay County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.