ZIP
32435
FL · County 12131 · pop 6,359 (population)
41.4
Opportunity Index
STRONG_BUYNational rank #1249
Why This ZIP
ZIP 32435 ranks #1249 nationally with phase STRONG_BUY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 43.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32435 — 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 12131 — ZIP 32435 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12131 — ZIP 32435 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12131 — ZIP 32435 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 | 45.2 |
| Property Stress | 32.0 |
| Foreclosure / Delinquency | 30.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 57.3 |
| Construction Pressure | 54.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#1249
PhaseSTRONG_BUY
Primary driverBANK_INSTITUTIONAL
Capital opp43.1
Pulse score40.2
Signal Breakdown — 10 Categories
Vacancy
11.4
Auction / REO
—
Construction Pressure
54.8
FL Deep Bonus
—
Property Stress
32.0
HOA / Federal Liens
—
Listings Discount
45.2
Bank Institutional
57.3
Insurance Distress
0.0
Foreclosure / Delinquency
30.0
Top-Line Metrics
Avg DOM (days)
75.4
Price Cut %
10.7%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
11.4%
Bank Score
57.3
Insurance Score
0.0
Listings Discount
45.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32435 | 40.2 | 31.3 | 0.0 | 45.2 |
| County 12131 | 40.2 | 31.5 | 0.0 | 39.4 |
| 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 |
|---|---|---|---|---|---|
| 32464 | 43.7 | STRONG_BUY | VACANCY | 62 | 28 |
| 32455 | 43.7 | STRONG_BUY | VACANCY | 59 | 30 |
| 32578 | 43.0 | STRONG_BUY | BANK_INSTITUTIONAL | 49 | 40 |
| 32567 | 42.8 | STRONG_BUY | VACANCY | 45 | 33 |
| 32433 | 42.2 | STRONG_BUY | VACANCY | 47 | 32 |
| 32539 | 42.2 | STRONG_BUY | BANK_INSTITUTIONAL | 48 | 36 |
| 32413 | 40.7 | OVERHEATED | VACANCY | 30 | 35 |
| 32550 | 39.8 | OVERHEATED | VACANCY | 33 | 32 |
| 32459 | 39.6 | OVERHEATED | VACANCY | 33 | 32 |
| 32439 | 39.4 | PEAK_OPPORTUNITY | VACANCY | 37 | 32 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/32435
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.