ZIP
32003
FL · County 12019 · pop 29,351 (population)
34.3
Opportunity Index
WATCHLISTNational rank #11278
Why This ZIP
ZIP 32003 ranks #11278 nationally with phase WATCHLIST. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.3, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32003 — Historical Price + Stress Trajectory
50 years FHFA HPI · 2.3 years quarterly stress signalsloading…
Overlay:
🟡 HPI Index (left axis) = FHFA House Price Index annual values from FHFA HPI-AT-BDL ZIP5 dataset · 1975–2025 · base 100. Overlay (right axis) = quarterly stress signal blended with annual HPI YoY where available. annual + quarterly data points loaded.
Parent County 12019 — ZIP 32003 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12019 — ZIP 32003 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12019 — ZIP 32003 highlighted — ranked by opportunity
click any row to drill in · gold ★ = sweet spot| # | ZIP | Opp | Phase | Driver | Action | Bank Mv | Cap Rdy | Disc% | Vac% | Short | REO | Why |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No ZIPs for this county. | ||||||||||||
▲ Top 3 Bullish Signals
| Listings Discount | 38.3 |
| Property Stress | 22.0 |
| Foreclosure / Delinquency | 15.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 57.3 |
| Construction Pressure | 42.2 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#11278
PhaseWATCHLIST
Primary driverBANK_INSTITUTIONAL
Capital opp38.3
Pulse score31.7
Signal Breakdown — 10 Categories
Vacancy
4.6
Auction / REO
—
Construction Pressure
42.2
FL Deep Bonus
—
Property Stress
22.0
HOA / Federal Liens
—
Listings Discount
38.3
Bank Institutional
57.3
Insurance Distress
0.0
Foreclosure / Delinquency
15.0
Top-Line Metrics
Avg DOM (days)
21.6
Price Cut %
2.4%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
4.6%
Bank Score
57.3
Insurance Score
0.0
Listings Discount
38.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32003 | 31.7 | 19.4 | 0.0 | 38.3 |
| County 12019 | 32.3 | 19.7 | 0.0 | 42.7 |
| FL state avg | 38.3 | 30.9 | 4.4 | 35.6 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 32666 | 40.7 | PEAK_OPPORTUNITY | VACANCY | 46 | 27 |
| 32091 | 39.9 | PEAK_OPPORTUNITY | VACANCY | 45 | 26 |
| 32058 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 49 | 27 |
| 32656 | 38.2 | PEAK_OPPORTUNITY | VACANCY | 47 | 22 |
| 32140 | 37.6 | PEAK_OPPORTUNITY | VACANCY | 38 | 28 |
| 32234 | 37.2 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 51 | 25 |
| 32068 | 36.1 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 22 |
| 32043 | 36.0 | WATCHLIST | BANK_INSTITUTIONAL | 40 | 22 |
| 32065 | 35.2 | WATCHLIST | LISTINGS_DISCOUNT | 48 | 22 |
| 32073 | 34.8 | WATCHLIST | BANK_INSTITUTIONAL | 40 | 22 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/32003
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.