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Enter a Florida address. Eight answers in seconds.

Parcel, building, flood, wetland, traffic, demographic and lending layers resolve at the address without leaving this page.

Full screen stage. Launch is one click until the anonymous view and the frame-ancestors header land on the app route; then set AUTO_MOUNT true and it loads on arrival.

Florida commercial real estate data, county by county.

Parcel boundaries and ownership, FDOT traffic counts at count year 2024, FEMA flood hazard, wetlands, demographics, competitive supply and the full SBA lending record, resolved at a Florida address rather than at a state average. Free to run, across all 67 counties and 53,625 square miles of land area.

Florida runs on five water management districts, a building code written for hurricanes, and a growth management statute that decides what a parcel is allowed to become. Those three things sit above every commercial development decision in the state and none of them appear on a listing site. This page assembles what actually governs a Florida site, with the source and the period stated on every figure.

Counties covered
67
Land area, square miles
53,627
Population
22,416,077
Households
8,752,810
Combined county GDP
$1726.71 bn
Largest county by population
Miami-Dade County, 2,738,356
Smallest county by population
Liberty County, 7,687
Largest county by land area
Collier County, 1,998 sq mi
Births, 2024
220,659
Net domestic migration, 2024
64,017
SBA 7(a) approvals recorded
28,956
SBA 7(a) approval dollars
$16.16 bn
SBA 504 approvals recorded
9,884
SBA 504 approval dollars
$8.07 bn
Average 7(a) approval
$558,216
Counties with a 7(a) record
66 of 67
NFIP communities
486
Counties with a CRS rated community
56 of 67
Counties in radon zone 1 or 2
9 of 67
Traffic count records
184K

Traffic counts

Florida traffic counts by corridor, at 2024 AADT.

Count year 2024 · source FDOT Florida Traffic Online

The Florida Department of Transportation publishes annual average daily traffic through Florida Traffic Online, at permanent count stations and at interpolated segments, with truck percentage where classification stations exist. Those counts are held here and resolve at the address, so you read the volume on the corridor beside a specific parcel rather than reading a state map and estimating.

That distinction matters more than a headline volume suggests. Two sites with identical AADT can be entirely different businesses once you separate throughput from access. A corridor carrying 60,000 vehicles a day at highway speed past a site with no signalised entry is not the same asset as one carrying 30,000 through a signalised intersection with a full median opening, and no state-level average will tell you which one you are looking at.

Principal Florida commercial corridors, with in-state length
CorridorRunsWhy it matters commerciallyIn-state lengthPeak AADT
Interstate 4Tampa to Daytona Beach via Lakeland and OrlandoThe central Florida distribution spine. Carries the Polk County logistics corridor and the Orlando tourism and retail belt.132 mi2024
Interstate 95Miami to the Georgia lineAtlantic seaboard freight, the dense South Florida retail corridor, and the Space and Treasure Coast growth markets.382 mi2024
Interstate 75Naples to the Georgia lineGulf coast freight. Alligator Alley crosses the Everglades and links the southwest markets directly to Broward.471 mi2024
Florida's Turnpike, SR 91Miami-Dade north to WildwoodTolled interior spine. Heavy commuter volume makes it a suburban retail and distribution corridor.309 mi2024
Interstate 10Jacksonville to PensacolaThe only cross-state interstate in the Panhandle, and the region's single freight route.362 mi2024
Interstate 275St. Petersburg through TampaThe Tampa Bay urban connector, carrying the densest commuter volumes on the Gulf coast.60 mi2024
US 27Miami-Dade north through the agricultural interiorInland freight and agricultural haulage, and the spine of the interior logistics corridor.481 mi2024
US 41, Tamiami TrailNaples to Tampa on the southwest coastThe principal retail arterial of the southwest coast, signalised through most of its urban length.480 mi2024
US 19Pinellas north through the Nature CoastOne of the densest retail corridors in the state and a standing case study in access management.265 mi2024
US 1Key West to the Georgia lineThe Atlantic coastal arterial, and the only road access to the Florida Keys.545 mi2024

Ports, rail and the freight system behind the roads

Florida industrial demand is driven by a port system no other southeastern state matches. PortMiami and Port Everglades handle containers and cruise at scale, Port Tampa Bay moves the largest tonnage in the state on bulk and energy, JAXPORT carries autos and containers in the northeast, and Port Canaveral runs cruise with a growing cargo book. CSX operates the primary rail network with an inland intermodal terminal at Winter Haven in Polk County, and Florida East Coast Railway runs the Atlantic line with on-dock service at three seaports.

For a distribution or industrial siting decision this is the layer that separates markets. A site in Polk County sits inside a one-day truck reach of both coasts and beside an inland intermodal terminal. A site of identical size and price in the interior Panhandle is not, whatever its own traffic count happens to say. Traffic tells you throughput. The freight system tells you whether that throughput is worth anything to the use you are underwriting.

Florida traffic counts by county →

Flood zones

Florida flood zone map and FEMA coverage by county.

593,586 hazard records held · panel status resolved per county

Florida is among the most comprehensively flood-mapped states in the country, and the platform holds 593,586 FEMA flood hazard records covering it. Enter an address and the zone resolves at the parcel, with the panel it came from named rather than implied.

Panel status is established per county rather than inferred from the state appearing in a coverage list. That distinction is not pedantry. Coverage inside a state is uneven, and a county with no mapped panel is a completely different statement from a county with no flood risk. Where a panel is not held this platform says so instead of returning a reassuring blank, because on a page that sits next to lender-facing work a comforting silence is worse than an admitted gap.

Community Rating System participation is among the highest in the country in Florida, and CRS class drives a real premium discount that belongs in the operating budget rather than in a footnote. Polk County carries CRS class 6, with four participating communities inside the county at their own classes.

Flood and hazard coverage, Florida

  • FEMA hazard records held593,586
  • Panel statusPer county
  • CRS participationAmong highest in US
  • WetlandsData and map held
  • Wind screeningCONUS, held
  • Radon zoneBy county, held

Florida flood zones by county →

Zoning

Florida zoning maps and land development codes by county.

Zoning layer in build

Zoning in Florida is a local power. The state publishes no consolidated zoning map and no standard district schema, so what governs a parcel is the zoning map and land development code of one specific jurisdiction: the county for unincorporated land, or the municipality inside city limits. Florida has 67 counties and more than 400 municipalities, each with its own district names, its own permitted use table, and its own definition of what a phrase like general commercial actually allows.

The consistency requirement is the part sponsors miss

Every Florida local government plans under Chapter 163, Florida Statutes, and a zoning decision must be consistent with the adopted comprehensive plan. That makes the future land use designation the senior document, not the zoning map. A parcel can carry a commercial zoning district and still fail the use you want if its future land use category does not support it, and the remedy in that case is a plan amendment rather than a rezoning. Those are different processes, on different clocks, before different bodies.

Which track a plan amendment takes turns on acreage. A small-scale amendment, available for sites of 50 acres or fewer, is decided at a single local hearing. Anything above that threshold goes to state coordinated review with the Department of Commerce and the reviewing agencies, which adds months. A 49 acre site and a 51 acre site can therefore be a season apart on approval, which is worth establishing before a parcel goes under contract rather than after.

Why no good statewide Florida zoning map exists

More than 460 jurisdictions publish zoning in different formats, at different vintages, with district codes that collide between jurisdictions and mean different things in each. A C-2 district in one county is not a C-2 district in the next. Some publish machine-readable layers, some publish PDFs, and some publish neither. National tools that advertise zoning coverage tend to be thin precisely at this point, because normalising 460 schemas into one comparable classification is the actual work and it does not automate cleanly.

That normalisation is what the zoning layer now in build does: base district and overlay resolved at the parcel, mapped to a comparable classification so a site in Lee County can be read against one in Duval, with the source jurisdiction and the effective date carried on every record so it stays checkable against the code that governs it. Until it lands, this platform does not display zoning for Florida and does not infer it from land use, assessment class or anything else. The statewide framework above is retrieved from the 2025 Florida Statutes and is accurate today.

Held today

  • Growth management frameworkCh. 163, F.S.
  • Small-scale amendment line50 acres
  • Impact fee notice period90 days
  • Areas of Critical State Concern5, mapped

In build

  • Base zoning districtIn build
  • Overlay districtsIn build
  • Normalised classificationIn build
  • Source and effective dateIn build

Stays local

  • Permitted use tablesJurisdiction
  • Setbacks, FAR, heightJurisdiction
  • Fee schedulesJurisdiction
  • Review timelinesJurisdiction

A normalised district tells you where to look. It never replaces reading the governing code.

Florida zoning by county →

Water management districts

Which Florida water management district permits your site.

Florida is the only state that splits stormwater and wetland permitting across five regional districts with their own governing boards, their own rules and their own timelines. Which one applies is a function of where a site sits hydrologically rather than which county it falls in, and district boundaries cross county lines freely.

This is the single most common scheduling error on a Florida project. Stormwater is not reviewed by the city or the county. It is reviewed by the district through the Environmental Resource Permit, on its own clock, running alongside local site plan review rather than after it. A schedule that treats the ERP as a post-approval formality is wrong by months.

The five Florida water management districts
DistrictAbbreviationCoverage and character
South FloridaSFWMD16 counties from Orlando to the Keys, the largest district by population served and the operator of the Everglades restoration works.
St. Johns RiverSJRWMD18 counties along the northeast and east central coast, covering the St. Johns basin from Indian River County to the Georgia line.
Southwest FloridaSWFWMD16 counties across the Tampa Bay region and the Nature Coast, widely known as Swiftmud.
Suwannee RiverSRWMD15 counties across the north central interior, the smallest district by population.
Northwest FloridaNWFWMD16 counties across the Panhandle, from the Alabama line east to Jefferson County.

Federal Section 404 authority returned to the Army Corps of Engineers after Florida's state assumption was vacated in February 2024, which changed the permitting path mid-cycle for projects already in process. Any wetland delineation and any permitting schedule written before that date should be re-checked against the current path rather than assumed still valid.

Demographics

Florida demographics by county, and who is arriving.

ACS 5-year 2020 to 2024 · population estimates vintage 2024

Florida is the third most populous state and has been among the fastest growing large states for most of the last decade. The part that matters for underwriting is not the growth rate, it is the composition. Florida grows through net domestic in-migration rather than natural increase, which means demand arrives as formed households carrying existing income rather than as births that will generate demand in twenty years.

That changes an absorption schedule. A market growing through in-migration can fill new supply faster than its natural increase would predict, and it can stall faster when the flow slows, because there is no demographic floor underneath it. A pro forma built on a headline growth rate without asking where the growth comes from is carrying a risk it has not priced.

Seasonal population is the number most studies get wrong

The Census counts permanent residents. Florida's functional population in a coastal or tourism county can be materially higher for four to six months of the year, and a retail or hospitality feasibility built on permanent population alone will understate peak demand while overstating the shoulder season. The University of Florida Bureau of Economic and Business Research produces the official state and county projections Florida agencies use, and some counties publish their own functional population estimates for concurrency purposes. Both belong in a Florida demand build.

Resolved per county

  • Population and growth rateACS and PEP
  • Net domestic migrationComponents of change
  • Households and formationACS
  • Median household incomeACS
  • Age structure, 65 plus shareACS
  • Educational attainmentACS
  • Tenure and median rentACS
  • Labor force and unemploymentBLS LAUS
  • Urban and rural split2020 DHC
  • Official projectionsUF BEBR

Economy and competitive supply

What the Florida economy actually runs on.

Florida is the fourth largest state economy in the country by gross domestic product. Its employment base is broader than the tourism reputation implies. Leisure and hospitality is large, but so are healthcare and social assistance, trade and transportation, professional and business services, construction, and financial activities, the last of which has grown materially with the finance relocations into South Florida.

Two structural features affect underwriting directly. Florida levies no state personal income tax, which is a genuine migration driver and shows up in the income profile of the households arriving. And state sales tax is six percent with a county discretionary surtax stacked on top, so the effective rate varies by county and belongs in a project budget rather than being assumed statewide.

Establishment counts against SBA activity, by industry
NAICSIndustryEstablishmentsSBA loans
722Food services and drinking placesCBPSBA
7211Hotels, motels and lodgingCBPSBA
8111Automotive repair, including car washesCBPSBA
447Fuel stations with convenience retailCBPSBA
4931Warehousing and storageCBPSBA
53113Self storage facilitiesCBPSBA
6211Offices of physiciansCBPSBA
6233Assisted living and continuing careCBPSBA
7139Recreation, including RV parks and campgroundsCBPSBA

Establishment counts come from County Business Patterns and are the competitive supply read: how many of a thing already operate in a county. Crossed against the SBA record they answer the question a feasibility study opens with, which is whether this market has room for another one and whether anyone has financed one here recently. That crossing is not published anywhere else at county level, and it is the reason this section exists.

Entitlement and land use law

What Florida law actually does to a development site.

Retrieved from the 2025 Florida Statutes

The Live Local Act preempts local approval for qualifying multifamily on commercial and industrial land, which has quietly made a large amount of Florida retail and light industrial land developable for housing by right. Impact fees carry their own statutory discipline: an increase requires 90 days of notice before it takes effect, and the increase itself is capped and phased under the statute.

Section 212.031 was repealed effective 1 October 2025 by chapter 2025-208. Florida no longer taxes commercial rent.

Verified against the 2025 Florida Statutes

That one matters more than it looks. Florida was the only state in the country that levied a sales tax on commercial real property leases, and it had done so for four decades. It appeared as a line item in every Florida lease analysis and in every tenant's occupancy cost. Any model, market study or consultant still carrying it is pricing a tax that no longer exists, and across a ten year hold that error compounds into a real number. We found it by checking a pinned statute edition against the current one, which is the same discipline every field on this page carries.

Hazard and environment

The exposures a Florida credit committee will price.

Wind and building code

The Florida Building Code sets ultimate design wind speeds that rise toward the coast and toward the south. The High Velocity Hurricane Zone applies in Miami-Dade and Broward with the most stringent standards in the country, and wind-borne debris requirements cover much of the coastal state. This is a hard cost input: the same building costs materially more to deliver in Miami-Dade than in Alachua County, and a pro forma using national construction benchmarks will be wrong.

Insurance

Property insurance is a first-order Florida underwriting factor, not a footnote. Citizens Property Insurance operates as the insurer of last resort and the market has moved substantially since the 2022 reforms. Price it from a current quote for the specific asset, never from a national benchmark or a prior-year figure, because it is the line item most likely to break a Florida pro forma between underwriting and closing.

Areas of Critical State Concern

Five areas carry additional state oversight under Chapter 380: the Florida Keys, the City of Key West, Big Cypress, the Green Swamp across Lake and Polk counties, and Apalachicola Bay. Inside those boundaries development density is constrained and local land development regulations are subject to state review. The Green Swamp is the one most often missed, because it sits inland in two counties that are otherwise among the most active development markets in central Florida.

Lending and capital

Florida SBA lending by county and industry.

SBA 7(a) and 504 FOIA release · by county, NAICS, lender and status

This is the part no competitor publishes at county level. The platform carries the full SBA 7(a) and 504 loan record for Florida, resolved by county, by NAICS industry, by lender and by loan status. It answers questions a market report cannot: how many car washes were financed in this county last year, which lenders actually close in this market rather than merely advertise in it, what the typical project size is for this asset class here, and how those loans have performed since.

For a sponsor that is a shortcut to the right lender. For a lender it is a benchmark against the rest of the market. For a broker it is evidence that a price is financeable, which is a different argument from evidence that it is justified. USDA rural eligibility runs through the same layer, and because eligibility varies inside Florida counties rather than at the county line, it has to be checked by address rather than assumed.

Florida SBA lending by county →

Counties

All 67 Florida counties, resolved locally.

The frameworks above are statewide and written once. Everything that varies is resolved on the county page: the flood panel status, the traffic on the local corridors, the demographic and migration profile, the establishment counts that show competitive supply, the SBA lending record, and which of the five districts permits the site.

Panhandle

15 counties · 10,665 sq mi of land area

Interstate 10 is the only cross-state route and the region's single freight spine. Military installations and the Gulf beaches drive the two largest demand bases.

North Florida

19 counties · 11,762 sq mi of land area

Jacksonville anchors the region with JAXPORT, the Florida East Coast Railway and the state's largest land area for a consolidated city. Interstate 95 and Interstate 75 both enter Georgia here.

Central Florida

16 counties · 14,241 sq mi of land area

The Interstate 4 corridor carries the state's distribution spine and the Orlando tourism belt. Polk County holds the inland intermodal terminal that makes both coasts a one-day truck reach.

Southwest Florida

10 counties · 9,012 sq mi of land area

Gulf coast growth markets on Interstate 75 and US 41, with the agricultural interior behind them. Among the fastest-growing county groups in the state by in-migration.

Southeast Florida

6 counties · 6,962 sq mi of land area

The densest commercial market in the state. Miami-Dade and Broward carry the High Velocity Hurricane Zone, the most stringent wind standards in the country.

Keys and Everglades

1 counties · 983 sq mi of land area

Monroe County is an Area of Critical State Concern in its entirety, with development density constrained under Chapter 380 and a single road in and out.

Florida counties: region, land area, population, growth, county GDP and the SBA approval record. 67 rows, every value sourced.
GeographyRegionLand area, sq miRankPopulationGrowth since 2020County GDPSBA approvalsAdjacent counties
Alachua CountyNorth Florida87522285,4924.8%$20.94 bn319Bradford, Columbia, Gilchrist, Levy, Marion, Putnam, Union
Baker CountyNorth Florida5854628,4303.8%$1.05 bn20Bradford, Clay, Columbia, Duval, Nassau, Union
Bay CountyPanhandle75829186,39314.0%$13.47 bn259Calhoun, Gulf, Jackson, Walton, Washington
Bradford CountyNorth Florida2946527,885-0.8%$975.7 m18Alachua, Baker, Clay, Putnam, Union
Brevard CountyCentral Florida1,01615632,7808.6%$43.48 bn909Indian River, Orange, Osceola, Volusia
Broward CountySoutheast Florida1,21071,977,1294.8%$173.65 bn4,277Collier, Hendry, Miami-Dade, Palm Beach
Calhoun CountyPanhandle5675013,492-2.7%$506.1 m5Bay, Gulf, Jackson, Liberty
Charlotte CountySouthwest Florida68036201,06413.5%$9.77 bn273DeSoto, Glades, Lee, Sarasota
Citrus CountyCentral Florida58248162,47210.6%$6.98 bn147Hernando, Levy, Marion, Sumter
Clay CountyNorth Florida60443227,5848.5%$9.13 bn285Baker, Bradford, Duval, Putnam, St. Johns
Collier CountySouthwest Florida1,9981398,29110.8%$36.08 bn621Broward, Hendry, Lee, Miami-Dade, Monroe
Columbia CountyNorth Florida7982571,7896.1%$3.52 bn78Alachua, Baker, Gilchrist, Hamilton, Suwannee, Union
DeSoto CountySouthwest Florida6374135,3868.2%$1.42 bn15Charlotte, Hardee, Highlands, Manatee, Sarasota
Dixie CountyNorth Florida7053317,0585.1%$425.7 m12Gilchrist, Lafayette, Levy, Taylor
Duval CountyNorth Florida762281,023,1536.0%$105.37 bn1,611Baker, Clay, Nassau, St. Johns
Escambia CountyPanhandle65638325,9232.9%$24.36 bn373Santa Rosa
Flagler CountyNorth Florida48560126,52818.5%$5.15 bn148Putnam, St. Johns, Volusia
Franklin CountyPanhandle5355612,5534.2%$505.9 m13Gulf, Liberty, Wakulla
Gadsden CountyPanhandle5165743,7100.8%$1.71 bn24Jackson, Leon, Liberty
Gilchrist CountyNorth Florida3506319,04013.3%$576.4 m9Alachua, Columbia, Dixie, Lafayette, Levy, Suwannee
Glades CountySouthwest Florida8062412,5638.3%$447.3 m3Charlotte, Hendry, Highlands, Okeechobee
Gulf CountyPanhandle5645115,13111.8%$652.0 m14Bay, Calhoun, Franklin, Liberty
Hamilton CountyNorth Florida5145813,6162.4%$781.6 m8Columbia, Madison, Suwannee
Hardee CountySouthwest Florida6384025,6752.9%$1.48 bn11DeSoto, Highlands, Manatee, Polk
Hendry CountySouthwest Florida1,153842,38216.4%$1.89 bn31Broward, Collier, Glades, Lee, Palm Beach
Hernando CountyCentral Florida47362207,01812.2%$7.29 bn182Citrus, Pasco, Sumter
Highlands CountySouthwest Florida1,01714105,7028.4%$3.83 bn81DeSoto, Glades, Hardee, Okeechobee, Polk
Hillsborough CountyCentral Florida1,020131,522,7488.3%$152.01 bn2,923Manatee, Pasco, Pinellas, Polk
Holmes CountyPanhandle4796119,5131.1%$562.1 m12Jackson, Walton, Washington
Indian River CountyCentral Florida50359166,9367.7%$11.15 bn268Brevard, Okeechobee, Osceola, St. Lucie
Jackson CountyPanhandle9182048,2505.6%$1.99 bn35Bay, Calhoun, Gadsden, Holmes, Washington
Jefferson CountyNorth Florida5984515,0919.7%$440.6 m9Leon, Madison, Taylor, Wakulla
Lafayette CountyNorth Florida543558,1615.0%$305.8 m1Dixie, Gilchrist, Madison, Suwannee, Taylor
Lake CountyCentral Florida93818412,92415.7%$17.95 bn519Marion, Orange, Polk, Seminole, Sumter, Volusia
Lee CountySouthwest Florida78526817,66613.2%$54.16 bn1,212Charlotte, Collier, Hendry
Leon CountyPanhandle66737297,5422.8%$23.57 bn328Gadsden, Jefferson, Liberty, Wakulla
Levy CountyCentral Florida1,118945,39111.3%$1.66 bn48Alachua, Citrus, Dixie, Gilchrist, Marion
Liberty CountyPanhandle836237,687-0.3%$492.1 m2Calhoun, Franklin, Gadsden, Gulf, Leon, Wakulla
Madison CountyNorth Florida6963418,0892.2%$748.3 m12Hamilton, Jefferson, Lafayette, Suwannee, Taylor
Manatee CountySouthwest Florida74331429,79214.7%$26.35 bn720DeSoto, Hardee, Hillsborough, Sarasota
Marion CountyCentral Florida1,5855400,07814.1%$17.64 bn429Alachua, Citrus, Lake, Levy, Putnam, Sumter, Volusia
Martin CountySoutheast Florida54354162,1764.6%$12.31 bn367Okeechobee, Palm Beach, St. Lucie
Miami-Dade CountySoutheast Florida1,89832,738,3565.1%$260.84 bn7,210Broward, Collier, Monroe
Monroe CountyKeys and Everglades9831781,860-2.4%$8.35 bn150Collier, Miami-Dade
Nassau CountyNorth Florida6493997,85915.5%$4.98 bn158Baker, Duval
Okaloosa CountyPanhandle93019216,5994.2%$19.00 bn326Santa Rosa, Walton
Okeechobee CountySoutheast Florida7692740,8166.9%$2.75 bn42Glades, Highlands, Indian River, Martin, Osceola, St. Lucie
Orange CountyCentral Florida903211,471,9377.3%$160.40 bn2,737Brevard, Lake, Osceola, Seminole
Osceola CountyCentral Florida1,3276427,41520.4%$20.40 bn529Brevard, Indian River, Okeechobee, Orange, Polk
Palm Beach CountySoutheast Florida1,97021,533,8066.0%$140.51 bn3,056Broward, Hendry, Martin
Pasco CountyCentral Florida74730611,44417.3%$24.18 bn840Hernando, Hillsborough, Pinellas, Polk, Sumter
Pinellas CountyCentral Florida27466963,4810.7%$78.13 bn2,017Hillsborough, Pasco
Polk CountyCentral Florida1,7984790,69417.6%$44.30 bn761Hardee, Highlands, Hillsborough, Lake, Osceola, Pasco, Sumter
Putnam CountyNorth Florida7283275,1645.4%$3.50 bn46Alachua, Bradford, Clay, Flagler, Marion, St. Johns, Volusia
Santa Rosa CountyPanhandle1,01216198,47210.4%$7.90 bn172Escambia, Okaloosa
Sarasota CountySouthwest Florida55652459,5479.8%$35.89 bn963Charlotte, DeSoto, Manatee
Seminole CountyCentral Florida30964481,4705.0%$34.44 bn879Lake, Orange, Volusia
St. Johns CountyNorth Florida60144306,93422.5%$18.62 bn701Clay, Duval, Flagler, Putnam
St. Lucie CountySoutheast Florida57249360,50018.7%$16.68 bn472Indian River, Martin, Okeechobee
Sumter CountyCentral Florida54753143,40819.2%$7.56 bn70Citrus, Hernando, Lake, Marion, Pasco, Polk
Suwannee CountyNorth Florida6893545,3429.3%$2.10 bn26Columbia, Gilchrist, Hamilton, Lafayette, Madison
Taylor CountyNorth Florida1,0431121,5030.2%$840.0 m13Dixie, Jefferson, Lafayette, Madison
Union CountyNorth Florida2446715,701-2.5%$532.7 m5Alachua, Baker, Bradford, Columbia
Volusia CountyCentral Florida1,10110579,6228.9%$29.51 bn790Brevard, Flagler, Lake, Marion, Putnam, Seminole
Wakulla CountyPanhandle6064235,3879.9%$1.16 bn17Franklin, Jefferson, Leon, Liberty
Walton CountyPanhandle1,0381282,94819.1%$6.43 bn219Bay, Holmes, Okaloosa, Washington
Washington CountyPanhandle5834725,5294.7%$943.5 m10Bay, Holmes, Jackson, Walton

Land area from the Census county file. Rank is within Florida by land area. Extent is the approximate bounding width by height in miles. Borders and adjacent counties are computed from shared boundary geometry. Per-county traffic, flood, parcel and lending counts resolve on each county page.

Who uses this

The same Florida data, read three different ways.

For lenders and CDCs

Pre-screen the Florida file before it lands.

Validate a sponsor narrative against the flood panel, the district permitting path and the lending record for that county, in minutes rather than days.

  • Sponsor feasibility studies cross-checked in place
  • SBA and USDA loan tape benchmarked by lender pair
  • Flood and wind exposure resolved to the parcel

For sponsors and developers

Test the site before you retain anyone.

Find out whether a parcel sits inside an Area of Critical State Concern, which district permits its stormwater, whether it clears the 50 acre amendment threshold, and what already operates in the trade area.

  • Site screening across the state in one pass
  • Competitive supply from establishment counts, not guesswork
  • One click escalation to a full MMCG feasibility study

For brokers and investors

Defend the price to the buyer's lender.

Position Florida assets with the evidence the buyer's credit committee will ask for, assembled with citation provenance on every figure.

  • Comparable depth filtered to the buyer's lending universe
  • Cap rate spread by submarket and asset class
  • Exhibits with sources attached

Feasibility studies in Florida

The firm that wrote the data layer also writes the study.

MMCG Analytics is the data platform built by MMCG Invest, LLC, the feasibility consulting practice whose studies SBA lenders, USDA lenders and banks rely on. The parcel, flood, wetland, traffic and lending data on this page is not licensed in for a marketing site. It is the same infrastructure used to underwrite Florida sites for lender submission, which is why it is organised around what a credit committee asks rather than what a listing portal shows.

That matters for a Florida study specifically. A consultant who does not know that stormwater review sits with the water management district rather than the city, or that a 51 acre site loses the small-scale amendment track, or that the commercial rent tax was repealed last October, will produce a study a credit committee sends back. Florida carries enough state-specific structure that generic national methodology fails here in predictable places.

Studies are delivered in the structures lenders require: SBA SOP 50 10 8, USDA 7 CFR Part 5001 Appendix A, and conventional credit committee templates. These are feasibility studies and market analyses, not appraisals.

Florida feasibility studies →

Florida engagements

  • Flex and warehouse condominiumPolk County
  • Office and flex conversionPolk County
  • Express car wash site evaluationMiami-Dade
  • Hospitality and lodgingMultiple

Client names withheld. Asset types and counties are stated because the market knowledge is the point, not the logo.

Common questions

Florida site questions, answered from the statute.

Does Florida tax commercial rent?

Not any more. Section 212.031, Florida Statutes, was repealed effective 1 October 2025 by chapter 2025-208. Florida was the only state in the country that levied a sales tax on commercial real property leases, and the rate had been stepped down over several years before the repeal removed it entirely.

Any lease analysis, occupancy cost model or market study still carrying it is pricing a tax that no longer exists. Across a ten year hold that error compounds into a real number, and it is the single most common stale assumption in Florida underwriting right now.

Where do I find Florida traffic counts?

The Florida Department of Transportation publishes annual average daily traffic through Florida Traffic Online, at permanent count stations and at interpolated segments, with truck percentage where classification stations exist.

Those counts are held here at count year 2024 and resolve at the address, so you read the volume on the corridor beside a specific parcel rather than reading a state map and estimating. Two sites with identical AADT can be entirely different businesses once you separate throughput from access, which is why the count belongs next to the parcel rather than in a separate tool.

How do I find the flood zone for a Florida property?

Run the address in the workspace at the top of this page. The platform holds 593,586 FEMA flood hazard records for Florida and resolves the zone at the parcel.

Panel status is established per county rather than inferred from the state appearing in a coverage list. Coverage inside a state is uneven, and a county with no mapped panel is a completely different statement from a county with no flood risk. Where a panel is not held this platform says so instead of returning a reassuring blank.

How do I find the zoning for a property in Florida?

Zoning in Florida is set by the county for unincorporated land and by the municipality inside city limits, so the authoritative source is that jurisdiction's own zoning map and land development code. Florida has 67 counties and more than 400 municipalities, each with its own district names and permitted use tables, and there is no statewide zoning map or standard schema.

The step most people skip is that the zoning district is only half the answer. A use has to be consistent with the comprehensive plan future land use designation as well, and where the two disagree the plan governs. A parcel can carry a commercial zoning district and still fail if its future land use category does not support the use, and the fix for that is a plan amendment rather than a rezoning.

Is there a statewide Florida zoning map?

No official one exists. Zoning is a local power in Florida and the state publishes no consolidated map, so a statewide view has to be assembled from more than 460 separate jurisdictions that use different district names, different permitted use tables and different data formats for the same underlying concept.

That fragmentation is the reason a usable statewide zoning layer is hard rather than merely tedious, and it is why most tools claiming national zoning coverage are thin once you check a specific parcel. A C-2 district in one county is not a C-2 district in the next.

Which water management district is my property in?

Florida has five water management districts: South Florida, St. Johns River, Southwest Florida, Suwannee River and Northwest Florida. Which one applies is a function of where the site sits hydrologically rather than which county it falls in, and district boundaries cross county lines.

This matters because the district, not the city or county, reviews stormwater through the Environmental Resource Permit. That review runs on its own timeline alongside local site plan review rather than after it, and assuming the city handles stormwater is one of the most common scheduling errors on a Florida project.

Who reviews a commercial site plan in Florida?

The county for unincorporated land, or the municipality inside city limits. Each administers its own land development code, so the reviewing body, the fee schedule and the timeline are local questions rather than state ones.

Stormwater is the exception worth knowing, and it is covered in the water districts section above: it is reviewed by the water management district on its own clock, running alongside local review rather than after it.

Which Florida counties are in the High Velocity Hurricane Zone?

Miami-Dade and Broward. The High Velocity Hurricane Zone carries the most stringent wind provisions in the Florida Building Code and materially changes construction cost, product availability and inspection requirements.

Wind-borne debris requirements extend well beyond those two counties along much of the coastal state, so a site outside the HVHZ can still carry significant wind-driven cost that a national construction benchmark will miss entirely.

What is a small-scale comprehensive plan amendment?

An expedited future land use amendment available for sites of 50 acres or fewer. It is decided at a single local hearing rather than going to state coordinated review with the Department of Commerce and the reviewing agencies.

That threshold is a genuine fork in an entitlement schedule: a 49 acre site and a 51 acre site can be months apart on approval, which is worth establishing before a parcel goes under contract rather than after.

What is an Area of Critical State Concern?

A designation under Chapter 380, Florida Statutes, placing additional state oversight on development. Florida has five: the Florida Keys, the City of Key West, Big Cypress, the Green Swamp across Lake and Polk counties, and Apalachicola Bay.

Inside those boundaries development density is constrained and local land development regulations are subject to state review. The Green Swamp is the one most often missed, because it sits inland in two counties that are otherwise among the most active development markets in central Florida.

Do I need an Environmental Resource Permit in Florida?

Most commercial development does. The Environmental Resource Permit governs stormwater management and impacts to wetlands and surface waters, and it is issued by the relevant water management district or by the Department of Environmental Protection depending on the activity.

Wetlands are prevalent enough across Florida that many sites carry them, and federal Section 404 authority returned to the Army Corps after the state assumption was vacated in February 2024, which changed the permitting path mid-cycle for projects already in process.

Does an SBA loan require a feasibility study in Florida?

It depends on the project rather than the state. SBA SOP 50 10 8 requires an independent feasibility study for certain start-up and special purpose properties, and lenders frequently require one beyond the mandatory cases where a project carries construction risk, a new market, or an untested revenue model.

The requirement is federal, so it does not vary between Florida and anywhere else. The market analysis inside the study very much does, which is why a consultant who does not know the water management district structure or the 50 acre amendment threshold will produce a study a credit committee sends back.

The methodology

Four pillars. USPAP-grade discipline.

Every dataset and every figure on this page is governed by the same analytical framework MMCG applies in its third-party feasibility studies. Coverage is documented, sources are attributed, and reproducibility is a contractual standard rather than an aspiration.

01

Sourced

Every record traces to an enumerated primary source: county property appraiser, FDOT, FEMA, the SBA tape, Census ACS, BLS, or MMCG's own research. Lineage is queryable on every cell.

02

Dated

Every field carries the period it describes, not the day it was fetched. Statutes are pinned to the current edition and the pin is verified against the newest available.

03

Gated

Where data is not held the page says so. A county with no mapped flood panel and a county with no flood risk are different statements and are never conflated.

04

Lender-ready

Outputs map to the structures lenders require: SBA SOP 50 10 8, USDA 7 CFR Part 5001 Appendix A, and conventional credit committee templates.

The platform is governed by the same USPAP-aligned standards under which MMCG Invest authors its bankable feasibility studies. Every dataset carries its source and the period it describes, and a figure that cannot be traced does not appear.

Read the methodology →

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