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

Clay County, FL, Florida: 12 ZIP codes scored, Clay County, FL averaging 31/100 (moderate, Clay, FL), from 26 to 33. Clay County, FL is in its contraction phase (Clay, FL confidence 32/100): Clay, FL home prices down 0.9% (Clay, FL) over twelve months, 1.8% under their peak. Clay County, FL lender headwind: 36/100.

Highest-scoring Clay County, FL ZIPs: 32003 (33/100), 32043 (33/100), 32065 (33/100), 32068 (33/100), 32073 (33/100), 32079 (33/100). Also scored in Clay County, FL: 32140, 32234, 32656, 32666, 32091, 32058.

Across Clay County, FL's scored ZIPs: median home value $263,436, household income $83,487, 12.2% vacancy, 12.6% poverty, 73% owner-occupied, median age 45.3.

Clay County, FL insurance distress 92/100 (#69 in the US); FEMA hazard 99/100 for Clay, FL; 18 federal disaster declarations in Clay County, FL since 2023 (9 hurricane); 8 Clay, FL NFIP flood claims, $273K paid; Clay, FL construction distress 42/100.

10 banks with 20 branches lend in Clay County, FL; Clay, FL weighted bank stress 61/100, highest 71/100 in Clay, FL.

Clay County, FL unemployment 4.7% (Clay, FL -0.4 pts, six months); 1,390 new housing units permitted in Clay County, FL over twelve months, Clay, FL up 8% from 1,289; Clay, FL home prices +10.3% a year (Clay, FL) over three years.

88,969 housing units in Clay County, FL; 19,422 Clay, FL renter households; 47% of Clay, FL renters spend 30%+ of income on rent, 23% (Clay, FL) half or more.

Clay County, FL ranks #877 nationally on the opportunity index (Clay, FL, among all ranked counties); Clay, FL scores 31.7/100 and Clay, FL sits #65 inside Florida. Clay, FL is in the watchlist opportunity phase; Clay, FL's primary driver is bank institutional, Clay, FL second driver listings discount; Clay, FL moved up 1,084 places. 48 short-sale listings across Clay, FL; 28 days on market observed in Clay, FL; 6.1% vacancy over 12 Clay, FL ZIPs.

1.4% of Clay County, FL mortgages were ninety-plus days late in December 2025; Clay, FL's thirty-to-eighty-nine-day share was 3.0% (CFPB county sample). Clay, FL's ninety-day rate is up 0.8 points on twelve months earlier; the Clay, FL peak since 2008 was 6.3% in January 2012; Florida overall reads 1.2%.

Clay County, FL has 2 watched banks; 2 Clay, FL banks sit in an elevated band. Clay, FL footprints: Capital City Bank (1 branch, stress 54) in Clay, FL; Southstate Bank Na (1 branch, stress 48) in Clay, FL.

HUD lists 2 assisted multifamily properties in Clay County, FL with 404 units; 85 Clay, FL units are assisted, 1 Clay, FL properties under project-based Section 8.

5,262 of the 88,969 housing units in Clay, FL sit vacant. Clay County, FL permitted 24 multifamily units in twelve months; Clay, FL's one-to-four unit structures added 1,366 units in Clay County, FL.