ZIP
32409
FL · County 12005 · pop 10,941 (population)
38.4
Opportunity Index
OVERHEATEDNational rank #3814
Why This ZIP
ZIP 32409 ranks #3814 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 44.0, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32409 — 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 12005 — ZIP 32409 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12005 — ZIP 32409 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12005 — ZIP 32409 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 | 43.0 |
| Property Stress | 36.0 |
| Listings Discount | 32.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 60.9 |
| Bank Institutional | 30.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3814
PhaseOVERHEATED
Primary driverVACANCY
Capital opp44.0
Pulse score34.7
Signal Breakdown — 10 Categories
Vacancy
11.3
Auction / REO
—
Construction Pressure
60.9
FL Deep Bonus
—
Property Stress
36.0
HOA / Federal Liens
—
Listings Discount
32.0
Bank Institutional
30.0
Insurance Distress
0.0
Foreclosure / Delinquency
43.0
Top-Line Metrics
Avg DOM (days)
82.3
Price Cut %
1.4%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
11.3%
Bank Score
30.0
Insurance Score
0.0
Listings Discount
32.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32409 | 34.7 | 37.9 | 0.0 | 32.0 |
| County 12005 | 41.7 | 38.0 | 0.0 | 36.7 |
| 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 |
|---|---|---|---|---|---|
| 32466 | 42.9 | STRONG_BUY | VACANCY | 49 | 37 |
| 32404 | 42.8 | STRONG_BUY | VACANCY | 42 | 36 |
| 32438 | 42.5 | STRONG_BUY | VACANCY | 49 | 36 |
| 32456 | 41.9 | OVERHEATED | VACANCY | 24 | 45 |
| 32405 | 41.6 | STRONG_BUY | BANK_INSTITUTIONAL | 40 | 36 |
| 32444 | 41.5 | STRONG_BUY | BANK_INSTITUTIONAL | 38 | 36 |
| 32408 | 41.5 | OVERHEATED | VACANCY | 32 | 36 |
| 32407 | 41.4 | OVERHEATED | VACANCY | 32 | 36 |
| 32413 | 41.0 | OVERHEATED | VACANCY | 30 | 36 |
| 32401 | 40.3 | OVERHEATED | VACANCY | 31 | 36 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/32409
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.