September 2026 HUD file
HUD-insured apartment loans in Florida
380 properties with 68,610 units carry FHA-insured mortgages in Florida, with $7.5 billion still owed. The median note rate is 3.595%, and 238 of them are below 4%.
380insured loans
3.595%median note rate
$7.5 billionbalance outstanding
5.54%median on loans endorsed in the last 12 months, all states
By program
| 223(f) purchase or refinance | 212 |
|---|---|
| 221(d)(4) construction or substantial rehab | 98 |
| 223(a)(7) refinance | 44 |
| HFA risk-sharing | 13 |
| 241(a) supplemental | 7 |
| Older and other programs | 6 |
Lowest rates with 10+ years left
These are the loans a buyer would most want to assume. Open one for the payment math.
| Property | City | Units | Rate | Balance | Matures |
|---|---|---|---|---|---|
| Valencia Park Apartments | Orlando | 208 | 2% | $26.1 million | 2056 |
| Van Metre Northlake Park Apartments | Orlando | 165 | 2.03% | $19.3 million | 2056 |
| Greystone Summit Gulf Breeze | Gulf Breeze | 148 | 2.08% | $20.5 million | 2056 |
| Silver Hills Apartments | Orlando | 272 | 2.1% | $26.0 million | 2056 |
| Hampton Point Apartments | Punta Gorda | 284 | 2.13% | $25.3 million | 2056 |
| Hampton Court Apartments | Mangonia Park | 288 | 2.15% | $25.2 million | 2056 |
| Highland Apartments | Green Cove Springs | 52 | 2.17% | $3.6 million | 2056 |
| Pembroke Park | Pembroke | 244 | 2.18% | $17.6 million | 2055 |
| Santa Clara II Apartments | Miami | 204 | 2.19% | $29.2 million | 2056 |
| Santa Clara I Apartments | Miami | 208 | 2.19% | $28.6 million | 2056 |
| Stratford Point Apartments | Sanford | 384 | 2.2% | $44.4 million | 2056 |
| Casa Miguel | Clearwater | 82 | 2.2% | $6.8 million | 2055 |
| Tiger Bay Apartments | Gainesville | 96 | 2.22% | $5.1 million | 2056 |
| Palm Gardens Apartments | Hialeah | 220 | 2.24% | $13.4 million | 2056 |
| Kitterman Woods Apartments | Port St Lucie | 396 | 2.25% | $38.3 million | 2056 |
Filter every state in the assumable-loan finder
Paying off within five years
Most HUD loans amortize to zero, so these balances are usually small. The owners are deciding what to do with a nearly paid-off property.
| Property | City | Units | Rate | Balance | Matures |
|---|---|---|---|---|---|
| Woodwinds Apts | Bradenton | 96 | 7.09% | $59,823 | 2027 |
| Pine Creek Village | Fort Pierce | 108 | 5.79% | $3.7 million | 2028 |
| Westwood Homes | Pensacola | 51 | 6% | $140,483 | 2028 |
| Abbey Lane Apartments | Winter Haven | 125 | 5.95% | $346,713 | 2031 |
| Madison Vines Sr. | Ft Pierce | 92 | 8.09% | $1.5 million | 2031 |
By city
- Miami 28
- Orlando 28
- Jacksonville 20
- Tampa 13
- Gainesville 12
- Bradenton 11
- Panama City 9
- Pensacola 8
- Sarasota 8
- West Palm Beach 8
- Hialeah 7
- Fort Lauderdale 6
- Homestead 6
- Lakeland 6
- St Petersburg 6
- Tallahassee 6
- Clearwater 5
- Ocala 5
- Winter Park 5
- Cocoa 4
- Fort Myers 4
- Kissimmee 4
- Leesburg 4
- North Miami 4
- Winter Haven 4
Everywhere else in Florida
- Arbours at Merrillwood I Alachua · 5.59%
- One 51 Place Alachua · 2.95%
- Taylor Apopka · 4.25%
- Sea Oats Apartments Atlantic Beach · 2.72%
- The Groves at Lake Juliana Auburndale · 2.97%
- Ridgedale Apartments Avon Park · 3.95%
- Compson Place Apartments Boynton Beach · 2.6%
- Bridge Harbor Town Homes Callaway · 5.07%
- Crossings at Cape Coral Cape Coral · 5.64%
- The Apartments at Isles of Porto Cista Cape Coral · 3.63%
- Delamarre Apartments Celebration · 3.77%
- Portofino at Champions Gate Champions Gate · 3.22%
- The Addison at Clermont Clermont · 3.65%
- Harlem Gardens Clewiston · 7%
- Country Club Lakes Coconut Creek · 3.05%
- Vista Verde at Coconut Creek Coconut Creek · 2.69%
- City Center Apartments Coral Springs · 5.73%
- The Tides the Breezes Coral Springs · 5.97%
- Bel Aire Terrace Crestview · 3.21%
- Spring Creek Apartments Crestview · 2.46%
- The Arbours at Crestview Crestview · 5.43%
- Cabana Club Apartments Cutler Bay · 3.23%
- Sunset Bay Apartments Cutler Bay · 2.93%
- Sunset Bay Apartments Cutler Bay · 2.89%
- Arbours at Hester Lake Dade City · 3.6%
- Hilltop Landings Dade City · 4.25%
- College Square Apartments Davie · 2.9%
- Tequesta Reserve Davie · 5.99%
- Casa San Pablo Daytona Beach · 3.85%
- B'nai B'rith Apartments Deerfield Beach · 3.05%
- Praxis of Deerfield Beach Deerfield Beach · 2.94%
- Stanley Terrace Apartments Deerfield Beach · 3.54%
- Arbours at Emerald Springs Defuniak Springs · 6.06%
- Arbours at Shoemaker Defuniak Springs · 3.13%
- College Arms Towers Deland · 5.19%
- Village at Delray Delray · 8.22%
- Cardinal Village Apartments Deltona · 5.72%
- Tuscany Lakes Apartments Ellenton · 2.28%
- Grove City Manor Englewood · 6.2%
- Little Oaks Eustis · 2.6%
- Bonita Pointe Florida City · 5.39%
- Jubilee Courtyards Florida City · 3.63%
- Redland Arms Apartments Florida City · 3.16%
- Bethany Court Fort Pierce · 3.6%
- Live Oak Villas I and II Fort Pierce · 5.64%
- Pine Creek Village Fort Pierce · 5.79%
- Soundside Apartments Fort Walton Beach · 5.19%
- Villager Apartments Fort Walton Beach · 2.5%
- Westminster Manors I and II Fort Walton Beach · 5.48%
- Dixie Court I Apartments Ft Lauderdale · 2.98%
- Regal Trace Ft Lauderdale · 3.43%
- Encore Daniels Falls Ft Myers · 5.57%
- Madison Vines Sr. Ft Pierce · 8.09%
- Horizon Sunset Apartments Gainsville · 5.81%
- Magnolia Parke Gainsville · 6.065%
- Highland Apartments Green Cove Springs · 2.17%
- Greystone Summit Gulf Breeze Gulf Breeze · 2.08%
- The Reserve Apartments Gulf Breeze · 3.2%
- Hurley Hall Hallandale · 3.94%
- 215 Park Hallandale Beach · 5.25%
- Chaves Lake Apartment Hallandale Beach · 2.99%
- Crystal Lake Apartments Hollywood · 3.4%
- Sunbelt Manor Hollywood · 7.125%
- Watersound Origins Crossings Inlet Beach · 4.98%
- The Quarters Lady Lake · 3.83%
- The Preserve at Lake Wales Lake Wales · 2.47%
- River View House Lake Worth · 3.34%
- Whispering Palms Largo · 3.58%
- Caravel Arms Apts Lauderdale Lakes · 3.47%
- St Joseph Towers Lauderdale Lakes · 3.94%
- Heron Pond I Apartments Lehigh Acres · 2.67%
- Heron Pond II Apartments Lehigh Acres · 2.67%
- Carter House Dowling Park Live Oak · 3.37%
- Mel-Mar-Go Apartments Live Oak · 3%
- Reserve at Northshore Lynn Haven · 2.41%
- Baker Manor Macclenny · 2.48%
- Northwood Apartments Macclenny · 8.25%
- Starling Grove Apartments Macclenny · 5.3%
- Springhill Apartments (fka Madison Heights) Madison · 3.3%
- Hampton Court Apartments Mangonia Park · 2.15%
- The Renaissance at Santa Rosa Mary Esther · 4.33%
- Osprey Pointe Melbourne · 3.64%
- The Highline Melbourne · 4.5%
- Tropical Manor Apartments Merritt Island · 2.43%
- Mexico Beach Crossings Mexico Beach · 2.97%
- Council Towers Senior Apartment Homes Miami Beach · 3.23%
- Stella Maris House Miami Beach · 6.09%
- Del Prado Gardens Miami Gardens · 4.35%
- Robert Sharp Towers I Miami Gardens · 4.78%
- Robert Sharp Towers II Miami Gardens · 3.93%
- Vista Hills Apartments Minneola · 5.35%
- Boardwalk 280 Apartments Miramar · 2.33%
- Villas De Mallorca Apts Miramar · 3.77%
- Hammock Oaks Mount Dora · 2.69%
- Renaissance Hall at Old Course Naples · 5.97%
- Shadowwood Park Naples · 2.38%
- Villas of Capri Naples · 4.1%
- Ashton Oaks Apartments New Port Richey · 4.98%
- Trinity Apartments New Port Richey · 2.7%
- The Enclave at Deer Moss Creek Niceville · 6.04%
- Flats at Sundown Apartments North Port · 4.32%
- Arbours at Crown Point Ocoee · 2.3%
- Archbishop Mccarthy Opa Locka · 3.94%
- Villa Grande on Saxon Orange City · 3.39%
- Middletown Apartments Orange Park · 3.05%
- Bermuda Estates Ormond Beach · 2.52%
- Ormond Shores Apartments Ormond Beach · 5.4%
- Barry Manor Palatka · 3.3%
- San Filippo Apartments Palm Bay · 4.63%
- Pier Park Crossings Panama City Beach · 3.99%
- Pier Park Crossings Phase II Panama City Beach · 2.65%
- Sand Dunes Apartments Panama City Beach · 3.05%
- Parrish Oaks Parrish · 3.575%
- Pembroke Park Pembroke · 2.18%
- Pembroke Gardens Pembroke Park · 2.29%
- Pembroke Villas Apts Pembroke Park · 3.12%
- Pembroke Tower Apartment Pembroke Pines · 3.39%
- Perrytown Apartments Perry · 4.4%
- Oceanside Estates Apartments Pinellas Park · 3.18%
- St. Giles Manor Pinellas Park · 5.65%
- Hunters Creek Senior Cottages Plant City · 2.45%
- Walden Lakewood Apartments Plant City · 2.75%
- Hillmont Gardens Plantation · 3.92%
- Oaks at St. John Ponte Vedra Beach · 5.85%
- Charlotte Towers Port Charlotte · 3.59%
- Villa San Carlos Port Charlotte · 3.8%
- Epiphany Manor Port Orange · 5.4%
- Hawthorne Village Apartments Port Orange · 3.13%
- Legacy at Crystal Lake Port Orange · 3.19%
- Kitterman Woods Apartments Port St Lucie · 2.25%
- Hampton Point Apartments Punta Gorda · 2.13%
- Hampton Point Apartments Renovation Punta Gorda · 5.59%
- Seven Palms Apts Punta Gorda · 3.41%
- Arbours at Quincy Qunicy · 4.5%
- Lenox at Bloomingdale Riverview · 3.8%
- Azure Estate (fka Stonybrook Apartments) Riviera Beach · 3.69%
- Southgate Apartments Rockledge · 3.05%
- Shadetree Apts Ruskin · 3.89%
- Hunting Reserve Apartments Sanford · 2.97%
- Huntington Reserve Apartments Sanford · 5.62%
- Stratford Point Apartments Sanford · 2.2%
- Beachside Apartments Satellite Beach · 2.27%
- Graces Landing Sebastian · 2.34%
- Pelican Isles Apartments Sebastian · 3.16%
- Stratford Mill St Augustine · 3.5%
- Woodlawn Terrace Apartments St Augustine · 5.28%
- Legacy Palm Isle Sweetwater · 2.35%
- Arcadia Tamarac · 5.8%
- Riverside Apartments Tarpon Springs · 4.8%
- Heritage at Temple Terrace Temple Terrace · 5.27%
- Temple Terrace Residences Temple Terrace · 3.61%
- Emerald Place Apartments Titusville · 5.44%
- Windover Oaks Apartments Titusville · 5.76%
- Preserve at Oslo Vero Beach · 2.64%
- Walker Woods Apts Vero Beach · 3.32%
- Windsor Club at Seven Oaks Wesley Chaple · 3.58%
- Peppertree Wildwood · 3.08%
- Mills Creek Preserve Yulee · 3.58%
- Fort King Colony Zephyrhills · 4.55%
Source: HUD, Insured Multifamily Mortgages, active file, current as of September 30, 2026. Apartment loans only; nursing homes, assisted living and hospitals in the same file are not counted.
Own or buying in this state?
Send the property to the Janover Capital desk for a read on assumption, 223(a)(7) or a new HUD loan.