ZIP
32431
FL · County 12063 · pop 4,887 (population)
40.6
Opportunity Index
PEAK_OPPORTUNITYNational rank #1692
Why This ZIP
ZIP 32431 ranks #1692 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 49.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32431 — 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 12063 — ZIP 32431 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12063 — ZIP 32431 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12063 — ZIP 32431 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 | 54.0 |
| Property Stress | 24.0 |
| Foreclosure / Delinquency | 24.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 56.4 |
| Bank Institutional | 33.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1692
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp49.8
Pulse score34.5
Signal Breakdown — 10 Categories
Vacancy
16.9
Auction / REO
—
Construction Pressure
56.4
FL Deep Bonus
—
Property Stress
24.0
HOA / Federal Liens
—
Listings Discount
54.0
Bank Institutional
33.0
Insurance Distress
0.0
Foreclosure / Delinquency
24.0
Top-Line Metrics
Avg DOM (days)
5.7
Price Cut %
11.2%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
16.9%
Bank Score
33.0
Insurance Score
0.0
Listings Discount
54.0
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32431 | 34.5 | 24.6 | 0.0 | 54.0 |
| County 12063 | 39.8 | 24.7 | 0.0 | 54.0 |
| FL state avg | 37.8 | 29.6 | 4.4 | 35.6 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 32460 | 44.2 | STRONG_BUY | VACANCY | 56 | 25 |
| 32440 | 43.8 | STRONG_BUY | VACANCY | 59 | 25 |
| 32426 | 42.3 | STRONG_BUY | VACANCY | 57 | 25 |
| 32438 | 42.3 | STRONG_BUY | VACANCY | 49 | 36 |
| 32443 | 42.2 | STRONG_BUY | BANK_INSTITUTIONAL | 51 | 25 |
| 32448 | 42.0 | STRONG_BUY | BANK_INSTITUTIONAL | 55 | 25 |
| 32420 | 42.0 | STRONG_BUY | VACANCY | 57 | 24 |
| 32423 | 41.3 | STRONG_BUY | VACANCY | 53 | 25 |
| 32445 | 41.1 | STRONG_BUY | LISTINGS_DISCOUNT | 61 | 25 |
| 32446 | 41.1 | STRONG_BUY | VACANCY | 49 | 25 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/32431
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.