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

Flagler County, FL, Florida: 7 ZIP codes scored, Flagler County, FL averaging 36/100 (moderate, Flagler, FL), from 34 to 39. Flagler County, FL is in its contraction phase (Flagler, FL confidence 9/100): Flagler, FL home prices down 0.5% (Flagler, FL) over twelve months. Flagler County, FL lender headwind: 50/100.

Highest-scoring Flagler County, FL ZIPs: 32180 (39/100), 32080 (38/100), 32174 (38/100), 32136 (35/100), 32110 (34/100), 32137 (34/100). Also scored in Flagler County, FL: 32164.

Across Flagler County, FL's scored ZIPs: median home value $380,286, household income $73,600, 17.9% vacancy, 10.8% poverty, 80% owner-occupied, median age 50.8.

Flagler County, FL insurance distress 95/100 (#38 in the US); FEMA hazard 98/100 for Flagler, FL; 12 federal disaster declarations in Flagler County, FL since 2023 (6 hurricane); 72 Flagler, FL NFIP flood claims, $1.9M paid; Flagler, FL construction distress 57/100.

9 banks with 18 branches lend in Flagler County, FL; Flagler, FL weighted bank stress 65/100, highest 75/100 in Flagler, FL.

Flagler County, FL unemployment 5.5% (Flagler, FL -0.3 pts, six months); 2,430 new housing units permitted in Flagler County, FL over twelve months, Flagler, FL down 4% from 2,543; Flagler, FL home prices +9.7% a year (Flagler, FL) over three years.

60,934 housing units in Flagler County, FL; 9,293 Flagler, FL renter households; 53% of Flagler, FL renters spend 30%+ of income on rent, 26% (Flagler, FL) half or more.

Flagler County, FL ranks #318 nationally on the opportunity index (Flagler, FL, among all ranked counties); Flagler, FL scores 34.6/100 and Flagler, FL sits #38 inside Florida. Flagler, FL is in the peak_opportunity opportunity phase; Flagler, FL's primary driver is vacancy, Flagler, FL second driver bank institutional; Flagler, FL moved up 140 places. 61 short-sale listings across Flagler, FL; 84 days on market observed in Flagler, FL; 12.9% vacancy over 7 Flagler, FL ZIPs.

1.2% of Flagler County, FL mortgages were ninety-plus days late in December 2025; Flagler, FL's thirty-to-eighty-nine-day share was 2.4% (CFPB county sample). Flagler, FL's ninety-day rate is up 0.8 points on twelve months earlier; the Flagler, FL peak since 2008 was 9.0% in January 2010; Florida overall reads 1.2%.

Flagler County, FL has 2 watched banks; 2 Flagler, FL banks sit in an elevated band. Flagler, FL footprints: Intracoastal Bank (1 branch, stress 71) in Flagler, FL; Southstate Bank Na (1 branch, stress 48) in Flagler, FL.

8,352 of the 60,934 housing units in Flagler, FL sit vacant. Flagler County, FL permitted 446 multifamily units in twelve months; Flagler, FL's one-to-four unit structures added 1,984 units in Flagler County, FL.