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

Putnam County, FL, Florida: 17 ZIP codes scored, Putnam County, FL averaging 31/100 (moderate, Putnam, FL), from 30 to 38. Putnam County, FL is in its peak phase (Putnam, FL confidence 6/100): Putnam, FL home prices up 0.6% (Putnam, FL) over twelve months. Putnam County, FL lender headwind: 20/100.

Highest-scoring Putnam County, FL ZIPs: 32145 (38/100), 32131 (36/100), 32134 (35/100), 32043 (33/100), 32140 (32/100), 32112 (30/100). Also scored in Putnam County, FL: 32139, 32147, 32148, 32157, 32177, 32181, 32187, 32189, 32193, 32640.

Across Putnam County, FL's scored ZIPs: median home value $182,600, household income $58,889, 19.2% vacancy, 21.6% poverty, 80% owner-occupied, median age 47.0.

Putnam County, FL insurance distress 94/100 (#56 in the US); FEMA hazard 99/100 for Putnam, FL; 18 federal disaster declarations in Putnam County, FL since 2023 (9 hurricane); 39 Putnam, FL NFIP flood claims, $729K paid; Putnam, FL construction distress 30/100.

6 banks with 9 branches lend in Putnam County, FL; Putnam, FL weighted bank stress 54/100, highest 78/100 in Putnam, FL.

Putnam County, FL unemployment 5.6% (Putnam, FL -0.5 pts, six months); 95 new housing units permitted in Putnam County, FL over twelve months, Putnam, FL up 25% from 76; Putnam, FL home prices +12.5% a year (Putnam, FL) over three years.

37,065 housing units in Putnam County, FL; 8,394 Putnam, FL renter households; 44% of Putnam, FL renters spend 30%+ of income on rent, 16% (Putnam, FL) half or more.

Putnam County, FL ranks #318 nationally on the opportunity index (Putnam, FL, among all ranked counties); Putnam, FL scores 34.6/100 and Putnam, FL sits #38 inside Florida. Putnam, FL is in the peak_opportunity opportunity phase; Putnam, FL's primary driver is vacancy, Putnam, FL second driver bank institutional; Putnam, FL moved up 644 places. 26 short-sale listings across Putnam, FL; 43 days on market observed in Putnam, FL; 15.4% vacancy over 17 Putnam, FL ZIPs.

No CFPB county sample covers Putnam County, FL. The non-metro area reading for Putnam, FL: 1.2% ninety-plus days late; Putnam, FL's thirty-to-eighty-nine share is 3.4% (Putnam, FL, December 2025 data); Florida overall 1.2%.

Putnam County, FL has 3 watched banks; 3 Putnam, FL banks sit in an elevated band. Putnam, FL footprints: Capital City Bank (2 branches, stress 54) in Putnam, FL; Southstate Bank Na (2 branches, stress 48) in Putnam, FL; Dlp Bank (1 branch, stress 41) in Putnam, FL.

HUD lists 3 assisted multifamily properties in Putnam County, FL with 113 units; 111 Putnam, FL units are assisted, 3 Putnam, FL properties under project-based Section 8.

5,705 of the 37,065 housing units in Putnam, FL sit vacant. Putnam County, FL permitted 0 multifamily units in twelve months; Putnam, FL's one-to-four unit structures added 95 units in Putnam County, FL.