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

Putnam County, Florida sits inside DLRadar's nationwide distress index, built entirely from public records. The county's ZIP scores run from 27 up to 38/100. Lender pressure in Putnam County registers 20/100 — a contained bank-stress headwind. The county spans 17 scored ZIP codes, averaging 29/100 composite distress.

The county market is in a peak phase: home prices rose 0.6% over the past year (phase confidence 6/100). With pricing topped out, blanket buying underperforms as the ZIP scores below show.

Near the cycle top at +0.6% YoY (6/100 confidence), the discount lives in outliers — target the few ZIPs carrying distress. Lender stress at 20/100 (contained) puts the live signals on tax, code and ownership-change cases over REO.

By composite, 32145 (38/100), 32131 (35/100), 32134 (32/100), 32140 (29/100), 32640 (28/100), 32666 (28/100) top the county — tap any ZIP to go deeper. The breakdown continues through 32043, 32112, 32139, 32147, 32148, 32157, 32177, 32181, 32187, 32189 and more.

On the housing-and-income side, Putnam County's scored ZIPs run home values averaging roughly $182,600, below the US, 19.2% of units sitting vacant, 80% of homes owner-occupied, a median age of 47, a 21.6% poverty rate, incomes around $58,889. These fundamentals set up the volume of pressured sellers and the exit liquidity behind them.

All in at 29/100 over 17 ZIPs, distress here is parcel-specific rather than a blanket buy. Unlock Putnam County to see every parcel's owner, APN and address, a distress score plus a funding-to-closing path.

Whether Putnam 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 Putnam County can be compared directly against any county in the country.

Approach Putnam County by rank rather than by average — the 29/100 county figure conceals the spread, since the returns live in the top-scoring ZIPs. All Putnam County inputs are public record — recorder, court, FHFA and FDIC — and the score is rebuilt on ingest rather than modelled forward.

At the ZIP level, the sharpest readings in Putnam County are 32145 (38/100), 32131 (35/100), 32134 (32/100), 32140 (29/100), 32640 (28/100), 32666 (28/100). DLRadar also scores 32043, 32112, 32139, 32147, 32148, 32157, 32177, 32181 and more across the county. 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.

The Putnam County score is not a single measure but a composite: foreclosure activity, mortgage and tax-lien stress, and local lender headwind each feed it, which is why understanding the components matters as much as the headline number.