Florida current conditions dashboard
Florida's foreclosure and distress conditions vary substantially by county, by month, and by property type. This dashboard surfaces the data that shapes how we think about Florida distress — foreclosure filings, case progression, county-level patterns, and macro indicators.
The data is drawn from county clerk records, public docket systems, property appraiser records, Florida Office of Insurance Regulation filings, and other public sources. Updated continuously through our data layer.
The dashboard
[TOOL: Multi-panel dashboard showing: (1) statewide foreclosure filings over time, (2) county-level heatmap of recent activity, (3) servicer concentration by county, (4) insurance carrier activity (rate filings, market exits), (5) trend indicators with month-over-month change. Filters: time period, county, property type, loan vintage if available.]
On this page
- What the dashboard shows
- Statewide indicators
- County-level indicators
- Servicer concentration patterns
- Insurance market indicators
- How to interpret the data
- Limitations and caveats
- Frequently asked questions
What the dashboard shows
The dashboard surfaces several categories of indicators.
Foreclosure filings. New lis pendens recorded across Florida's 67 counties. Updated daily from county clerk records. Trends show whether foreclosure activity is rising, falling, or stable. Heatmaps show geographic concentration.
Case progression. Cases moving through procedural stages — answers filed, summary judgment hearings, final judgments, sales scheduled. The ratio of new filings to case completions indicates whether the foreclosure pipeline is growing or clearing.
Sale outcomes. Properties going to certificate of title. Distribution between reverter to lender (most common in current market) and third-party investor purchases. Sale prices when available.
County concentration. Counties with highest foreclosure activity per capita. Counties with fastest-growing foreclosure activity. Counties where activity is declining.
Servicer concentration. Which mortgage servicers are most heavily represented in Florida foreclosure activity. Patterns sometimes shift as servicing transfers occur.
Insurance market indicators. Florida Office of Insurance Regulation filings showing carrier rate increases, market exits, non-renewals. Indirect indicator of insurance pressure driving distress.
Vintage exposure. Where data permits, distribution of distress by loan vintage. 2022-2024 vintages are particularly affected in Florida.
Statewide indicators
Current statewide indicators (representative — actual values shown live in dashboard):
- Active foreclosure cases: [LIVE DATA]
- Foreclosure filings, last 30 days: [LIVE DATA]
- Year-over-year change in filings: [LIVE DATA]
- Average days from filing to certificate of title: [LIVE DATA]
- Counties with highest foreclosure activity per capita: [LIVE DATA]
County-level indicators
Each Florida county has its own pattern. The dashboard provides county-level data for all 67 counties.
Counties with highest distress concentration based on our analysis:
Lee County (Cape Coral, Fort Myers) — High 2022-2024 vintage exposure, hurricane-driven insurance pressure, substantial underwater mortgage rate
Hillsborough County (Tampa) — Diverse distress drivers, high volume, insurance pressure
Polk County (Lakeland, Davenport, Winter Haven) — Orlando-commuter market with affordability stress
Pinellas County (St. Petersburg, Clearwater) — Coastal insurance pressure, older housing stock affordability
Orange County (Orlando) — Mix of urban, suburban, and short-term rental investor distress
Duval County (Jacksonville) — Diverse market with significant volume
Miami-Dade County — High volume, condo and single-family distress
Broward County — Parallel patterns to Miami-Dade
Charlotte County — Hurricane-affected southwest Florida market
Manatee County and Sarasota County — Growth-market distress
Servicer concentration patterns
The mortgage servicers most heavily represented in current Florida foreclosure activity:
- Rocket Mortgage / Mr. Cooper (consolidated) — Substantial volume; integration period may shift patterns
- Lakeview Loan Servicing — High FHA portfolio exposure
- PennyMac — Significant volume across loan types
- Wells Fargo — Declining portfolio but still substantial
- Newrez / Shellpoint — Growing presence in distressed servicing
- Carrington — FHA-heavy portfolio
- Various private investor and securitization servicers
Insurance market indicators
Florida's insurance crisis is one of the most significant drivers of recent distress. Key indicators tracked:
Rate filings. Florida Office of Insurance Regulation reviews rate filings from each carrier. Large rate increases approved indicate continued pressure.
Market exits. Carriers withdrawing from Florida market entirely or specific markets within Florida.
Non-renewals. Carriers declining to renew existing policies. Affects homeowners whose policies come up for renewal.
Citizens Property Insurance Corporation policies. Florida's insurer of last resort. Policy count growth indicates carrier withdrawal from private market.
Reinsurance market. Florida property insurance depends substantially on reinsurance. Reinsurance pricing affects retail rates.
These indicators don't directly cause distress but are leading indicators of pressure that contributes to distress over time.
How to interpret the data
A few notes on interpretation:
Filings are not foreclosures. A foreclosure filing (lis pendens) is the start of a case, not its conclusion. Many cases resolve through modification, short sale, or other paths before reaching certificate of title. The filing-to-completion ratio matters.
Volume changes can reflect supply or demand. Increasing foreclosure filings can reflect either more homeowners falling into distress or lenders processing cases faster after prior backlog clearing. Distinguishing requires looking at multiple indicators together.
Seasonality. Florida foreclosure activity has seasonal patterns. Year-over-year comparisons are typically more informative than month-over-month.
Geographic concentration shifts. Distress concentration moves over time as different markets experience different pressures. Cape Coral's prominence in 2024-2025 distress is recent; other markets may emerge.
Public data lags. Most data sources have some lag — county clerk filings appear within days; case progression data within weeks; some aggregated indicators have longer lags. The "as of" date on each data point matters.
Limitations and caveats
What the dashboard doesn't show:
Individual case detail. The dashboard aggregates. To see a specific case, use the address search.
Private investor or non-MLS data. Some distress activity (cash sales, off-MLS investor transactions) isn't captured in public records the way MLS-listed sales are.
Modification activity. Modifications happen privately between homeowners and servicers. They don't appear in public records. Cases where modifications resolve potential foreclosure are invisible in foreclosure filing data.
Reasons for distress. The data shows that distress exists; it doesn't explain why for specific cases. Causes are inferred from patterns (vintage, geography, servicer mix) rather than directly observed.
Outcomes for individual homeowners. Aggregate patterns don't predict individual outcomes. Your specific case depends on your specific situation.
Frequently asked questions
How often is the dashboard updated?
Foreclosure filings and case progression data updates daily. Servicer concentration data updates weekly. Insurance market indicators update as filings occur (typically weekly to monthly).
Why are some Florida counties shown more prominently than others?
The counties featured as "priority" are the ones with highest current foreclosure activity, the counties Recourse has particular operational depth in, or both. All 67 counties have dedicated pages.
Can I see historical trends?
Yes. The dashboard provides historical data going back to launch. Pre-launch historical data is available where Florida public records preserve it.
What data sources does the dashboard use?
Florida county clerk records (foreclosure filings, docket progression), property appraiser records (property data), Florida Office of Insurance Regulation (carrier filings), MLS data where available, and our internal practice records (aggregated, not identifying individual cases).
Can I download the data?
Aggregated data summaries are available for download. Specific case data is not (privacy).
Why don't I see my specific case in the dashboard?
The dashboard shows aggregated patterns, not individual cases. To see your specific case, use the address search.
How does this compare to RealtyTrac or other foreclosure data providers?
Commercial foreclosure data providers (RealtyTrac, ATTOM, etc.) aggregate similar source data. Our data layer focuses specifically on Florida and is designed to support our practice. We don't claim to be the most comprehensive national data source; we claim to be the most Florida-focused.
Explore your specific situation
Enter your property address → — we'll show you where your specific case stands in the broader Florida context.
Related resources
- Browse Florida counties
- Browse mortgage servicers
- The Florida foreclosure process
- Florida foreclosure timeline visualizer
Florida conditions dashboard
Wave 3Florida Foreclosure Market Conditions
This dashboard will show live, structured data on Florida foreclosure conditions when Wave 3 data integrations are complete. The framework below shows what you will see.
Live data integrates with Wave 3
Most metrics below are placeholders. The one known value (922-day average) is sourced from publicly available Florida courts data.
Statewide foreclosure filings (last 30 days)
—
Live data in Wave 3
New lis pendens filed this month
—
Live data in Wave 3
Counties with highest filing activity
—
Live county rankings in Wave 3
Average days to foreclosure sale (FL)
922
Days — statewide judicial average
Source: ATTOM / Florida courts data, 2024
Dominant servicers in distress inventory
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Servicer breakdown in Wave 3
Insurance pressure index
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Florida carrier data in Wave 3
What this dashboard will show
Six data integrations planned for Wave 3
Live lis pendens tracker
Real-time feed of new lis pendens filings across Florida counties — updated daily from court records. See where foreclosure activity is accelerating before the media notices.
County-level heat map
A visual map showing foreclosure filing density by county, segmented by filing stage (pre-suit, active, post-judgment, sale pending).
Servicer distress rankings
Which servicers are driving the most Florida foreclosure volume — and how their approval rates on short sales and modifications compare.
Insurance pressure score
A composite index tracking Florida homeowner insurance carrier withdrawals, non-renewals, and rate increases by county — a leading indicator of mortgage distress.
Timeline trend analysis
How long foreclosures are taking in each county compared to the 922-day statewide average, and whether the backlog is growing or shrinking.
Short sale approval rates
Aggregate approval rates for short sales by servicer and county — so you can set realistic expectations before starting the process.
What we know now
922 days
The average time from first missed payment to foreclosure sale in Florida — one of the longest judicial foreclosure timelines in the country. That is almost three years. It is also why timing matters so much in short sale negotiations.
The 922-day figure is derived from publicly available Florida courts data and third-party analytics. Individual timelines vary significantly by county, servicer, and case circumstances. Wave 3 data integrations will include sourcing, methodology notes, and update frequency for every metric.
Equal Housing Opportunity. We are not attorneys and do not provide legal advice. Modifications are decided by your servicer based on investor guidelines and your specific financial situation. We cannot guarantee any particular outcome.
Blue Mar Real Estate Group, Inc. | Licensed Florida Real Estate Brokerage License | License #CQ1018554.