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

DLRadar tracks property distress across Holmes County, Florida using verifiable public-record signals alone. Lender pressure in Holmes County registers 84/100 — a elevated bank-stress headwind. 4 ZIP codes are tracked county-wide, averaging 27/100 distress. The county's ZIP scores run from 22 up to 30/100.

The county market is in a peak phase: home prices rose 3.8% over the past year (phase confidence 23/100). At this stage of the cycle, distress turns selective as the ZIP scores below show.

Near the cycle top at +3.8% YoY (23/100 confidence), the discount lives in outliers so the headline market won't hand it over. Its 84/100 lender headwind favors patient capital: banks under pressure move REO faster.

Top distress by ZIP runs 32455 (30/100), 32440 (29/100), 32464 (25/100), 32425 (22/100), listed with every scored ZIP below.

On the housing-and-income side, Holmes County's scored ZIPs run 16.9% of units sitting vacant, residents with a median age around 42.6, household income averaging about $48,857, below the national median, typical home values near $111,250, 18.5% of households below the poverty line, 78% of homes owner-occupied. Income, equity and tenure like these shape the volume of pressured sellers and the exit liquidity behind them.

Holmes County, Florida's 27/100 average over 4 ZIPs says Holmes County is a screen-by-ZIP market and not a county-wide play. Unlock Holmes County to see every parcel's owner, mailing address, APN, a distress score plus a funding-to-closing path.

The distress read for Holmes County, Florida is refreshed as new public records post and uses the same methodology coast to coast, so Holmes County stays directly comparable to any other market you track.

For anyone buying in Holmes County, the scores answer one question first — which ZIPs deserve the marketing budget, with the top reading 30/100. These Holmes County numbers come straight from public filings and refresh as new ones post; a missing source produces a blank field, never an estimate.

At the ZIP level, the sharpest readings in Holmes County are 32455 (30/100), 32440 (29/100), 32464 (25/100), 32425 (22/100). Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

Under Holmes 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.