ZIP
32096
FL · County 12023 · pop 2,977 (population)
37.9
Opportunity Index
OVERHEATEDNational rank #4381
Why This ZIP
ZIP 32096 ranks #4381 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 40.6, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 32096 — 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 12023 — ZIP 32096 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12023 — ZIP 32096 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12023 — ZIP 32096 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
| Foreclosure / Delinquency | 44.0 |
| Property Stress | 34.0 |
| Vacancy | 15.7 |
▼ Top 3 Risk Signals
| Construction Pressure | 57.7 |
| Bank Institutional | 31.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#4381
PhaseOVERHEATED
Primary driverVACANCY
Capital opp40.6
Pulse score36.1
Signal Breakdown — 10 Categories
Vacancy
15.7
Auction / REO
—
Construction Pressure
57.7
FL Deep Bonus
—
Property Stress
34.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
31.0
Insurance Distress
0.0
Foreclosure / Delinquency
44.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
15.7%
Bank Score
31.0
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32096 | 36.1 | 38.0 | 0.0 | — |
| County 12023 | 34.4 | 24.0 | 0.0 | 40.9 |
| FL state avg | 37.8 | 29.6 | 4.4 | 35.6 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (7)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 32094 | 40.2 | PEAK_OPPORTUNITY | VACANCY | 49 | 30 |
| 32038 | 39.3 | PEAK_OPPORTUNITY | VACANCY | 50 | 22 |
| 32055 | 38.9 | PEAK_OPPORTUNITY | VACANCY | 45 | 22 |
| 32643 | 36.2 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 23 |
| 32025 | 36.1 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 36 | 22 |
| 32024 | 35.6 | WATCHLIST | LISTINGS_DISCOUNT | 42 | 23 |
| 32061 | 25.8 | WEAK | BANK_INSTITUTIONAL | — | 10 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/32096
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.