ZIP
32140
FL · County 12107 · pop 1,558 (population)
37.6
Opportunity Index
PEAK_OPPORTUNITYNational rank #4834
Why This ZIP
ZIP 32140 ranks #4834 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 44.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32140 — 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 12107 — ZIP 32140 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12107 — ZIP 32140 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12107 — ZIP 32140 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 | 37.7 |
| Foreclosure / Delinquency | 33.0 |
| Property Stress | 28.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 36.3 |
| Bank Institutional | 29.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4834
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp44.9
Pulse score32.7
Signal Breakdown — 10 Categories
Vacancy
24.6
Auction / REO
—
Construction Pressure
36.3
FL Deep Bonus
—
Property Stress
28.0
HOA / Federal Liens
—
Listings Discount
37.7
Bank Institutional
29.0
Insurance Distress
0.0
Foreclosure / Delinquency
33.0
Top-Line Metrics
Avg DOM (days)
6.0
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
24.6%
Bank Score
29.0
Insurance Score
0.0
Listings Discount
37.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32140 | 32.7 | 31.0 | 0.0 | 37.7 |
| County 12107 | 36.2 | 30.9 | 0.0 | 42.0 |
| 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 |
|---|---|---|---|---|---|
| 32145 | 45.9 | STRONG_BUY | VACANCY | 48 | 34 |
| 32131 | 43.3 | STRONG_BUY | VACANCY | 44 | 29 |
| 32148 | 42.4 | STRONG_BUY | VACANCY | 55 | 29 |
| 32181 | 42.2 | STRONG_BUY | VACANCY | 58 | 29 |
| 32666 | 40.7 | PEAK_OPPORTUNITY | VACANCY | 46 | 27 |
| 32134 | 40.5 | PEAK_OPPORTUNITY | VACANCY | 47 | 26 |
| 32112 | 40.4 | PEAK_OPPORTUNITY | VACANCY | 42 | 29 |
| 32189 | 38.6 | PEAK_OPPORTUNITY | VACANCY | 43 | 29 |
| 32640 | 38.5 | PEAK_OPPORTUNITY | VACANCY | 50 | 26 |
| 32177 | 37.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 29 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/32140
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.