Santa Rosa County, FL: Foreclosures, Tax Liens & Distressed Properties
Santa Rosa County, FL, Florida: 10 ZIP codes scored, Santa Rosa County, FL averaging 33/100 (moderate, Santa Rosa, FL), from 33 to 36. Santa Rosa County, FL is in its peak phase (Santa Rosa, FL confidence 15/100): Santa Rosa, FL home prices up 0.2% (Santa Rosa, FL) over twelve months. Santa Rosa County, FL lender headwind: 25/100.
Highest-scoring Santa Rosa County, FL ZIPs: 32531 (36/100), 32564 (34/100), 32530 (33/100), 32561 (33/100), 32563 (33/100), 32565 (33/100). Also scored in Santa Rosa County, FL: 32566, 32570, 32571, 32583.
Across Santa Rosa County, FL's scored ZIPs: median home value $302,900, household income $89,655, 11.1% vacancy, 7.7% poverty, 82% owner-occupied, median age 42.1.
Santa Rosa County, FL insurance distress 91/100 (#89 in the US); FEMA hazard 99/100 for Santa Rosa, FL; 18 federal disaster declarations in Santa Rosa County, FL since 2023 (3 hurricane); 15 Santa Rosa, FL NFIP flood claims, $239K paid; Santa Rosa, FL construction distress 35/100.
12 banks with 23 branches lend in Santa Rosa County, FL; Santa Rosa, FL weighted bank stress 56/100, highest 71/100 in Santa Rosa, FL.
Santa Rosa County, FL unemployment 4.8% (Santa Rosa, FL -0.3 pts, six months); 2,111 new housing units permitted in Santa Rosa County, FL over twelve months, Santa Rosa, FL up 14% from 1,849; Santa Rosa, FL home prices +9.2% a year (Santa Rosa, FL) over three years.
80,002 housing units in Santa Rosa County, FL; 14,264 Santa Rosa, FL renter households; 39% of Santa Rosa, FL renters spend 30%+ of income on rent, 19% (Santa Rosa, FL) half or more.
Santa Rosa County, FL ranks #792 nationally on the opportunity index (Santa Rosa, FL, among all ranked counties); Santa Rosa, FL scores 32.0/100 and Santa Rosa, FL sits #58 inside Florida. Santa Rosa, FL is in the watchlist opportunity phase; Santa Rosa, FL's primary driver is bank institutional, Santa Rosa, FL second driver vacancy; Santa Rosa, FL moved up 1,092 places. 34 short-sale listings across Santa Rosa, FL; 57 days on market observed in Santa Rosa, FL; 9.1% vacancy over 10 Santa Rosa, FL ZIPs.
1.4% of Santa Rosa County, FL mortgages were ninety-plus days late in December 2025; Santa Rosa, FL's thirty-to-eighty-nine-day share was 2.5% (CFPB county sample). Santa Rosa, FL's ninety-day rate is up 0.3 points on twelve months earlier; the Santa Rosa, FL peak since 2008 was 5.2% in March 2010; Florida overall reads 1.2%.
Santa Rosa County, FL has 2 watched banks; 2 Santa Rosa, FL banks sit in an elevated band. Santa Rosa, FL footprints: Fnbt Bank (1 branch, stress 56) in Santa Rosa, FL; Southstate Bank Na (1 branch, stress 48) in Santa Rosa, FL.
HUD lists 2 assisted multifamily properties in Santa Rosa County, FL with 324 units.
7,397 of the 80,002 housing units in Santa Rosa, FL sit vacant. Santa Rosa County, FL permitted 170 multifamily units in twelve months; Santa Rosa, FL's one-to-four unit structures added 1,941 units in Santa Rosa County, FL.