ZIP
32428
FL · County 12133 · pop 18,015 (population)
37.9
Opportunity Index
PEAK_OPPORTUNITYNational rank #4435
Why This ZIP
ZIP 32428 ranks #4435 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 38.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32428 — 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 12133 — ZIP 32428 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12133 — ZIP 32428 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12133 — ZIP 32428 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 | 38.0 |
| Foreclosure / Delinquency | 32.0 |
| Property Stress | 27.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 58.6 |
| Construction Pressure | 35.9 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4435
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp38.9
Pulse score37.2
Signal Breakdown — 10 Categories
Vacancy
14.6
Auction / REO
—
Construction Pressure
35.9
FL Deep Bonus
—
Property Stress
27.0
HOA / Federal Liens
—
Listings Discount
38.0
Bank Institutional
58.6
Insurance Distress
0.0
Foreclosure / Delinquency
32.0
Top-Line Metrics
Avg DOM (days)
53.3
Price Cut %
—%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
14.6%
Bank Score
58.6
Insurance Score
0.0
Listings Discount
38.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32428 | 37.2 | 28.0 | 0.0 | 38.0 |
| County 12133 | 36.4 | 28.5 | 0.0 | 33.1 |
| FL state avg | 38.3 | 30.9 | 4.4 | 35.6 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 32466 | 42.9 | STRONG_BUY | VACANCY | 49 | 37 |
| 32438 | 42.5 | STRONG_BUY | VACANCY | 49 | 36 |
| 32420 | 42.4 | STRONG_BUY | VACANCY | 57 | 25 |
| 32425 | 42.0 | STRONG_BUY | VACANCY | 51 | 27 |
| 32431 | 40.9 | STRONG_BUY | VACANCY | 54 | 25 |
| 32462 | 35.5 | EARLY_SIGNAL | VACANCY | — | 29 |
| 32437 | 34.7 | EARLY_SIGNAL | VACANCY | — | 29 |
| 32427 | 32.2 | EARLY_SIGNAL | VACANCY | — | 27 |
| 32463 | 32.2 | EARLY_SIGNAL | VACANCY | — | 27 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/32428
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.