ZIP
32440
FL · County 12063 · pop 8,048 (population)
44.2
Opportunity Index
STRONG_BUYNational rank #383
Why This ZIP
ZIP 32440 ranks #383 nationally with phase STRONG_BUY. Primary driver: VACANCY. Capital opportunity score is 45.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32440 — 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 32440 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12063 — ZIP 32440 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12063 — ZIP 32440 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 | 58.7 |
| Foreclosure / Delinquency | 27.0 |
| Property Stress | 26.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 68.1 |
| Construction Pressure | 61.7 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#383
PhaseSTRONG_BUY
Primary driverVACANCY
Capital opp45.1
Pulse score43.6
Signal Breakdown — 10 Categories
Vacancy
14.1
Auction / REO
—
Construction Pressure
61.7
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
58.7
Bank Institutional
68.1
Insurance Distress
0.0
Foreclosure / Delinquency
27.0
Top-Line Metrics
Avg DOM (days)
99.0
Price Cut %
11.5%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
14.1%
Bank Score
68.1
Insurance Score
0.0
Listings Discount
58.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32440 | 43.6 | 26.2 | 0.0 | 58.7 |
| County 12063 | 40.1 | 25.9 | 0.0 | 54.0 |
| 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 |
|---|---|---|---|---|---|
| 32460 | 44.4 | STRONG_BUY | VACANCY | 56 | 25 |
| 32426 | 42.5 | STRONG_BUY | VACANCY | 57 | 25 |
| 32438 | 42.5 | STRONG_BUY | VACANCY | 49 | 36 |
| 32420 | 42.4 | STRONG_BUY | VACANCY | 57 | 25 |
| 32443 | 42.3 | STRONG_BUY | BANK_INSTITUTIONAL | 51 | 25 |
| 32448 | 42.1 | STRONG_BUY | BANK_INSTITUTIONAL | 55 | 25 |
| 32423 | 41.5 | STRONG_BUY | VACANCY | 53 | 25 |
| 32442 | 41.3 | STRONG_BUY | VACANCY | 53 | 27 |
| 32445 | 41.3 | STRONG_BUY | LISTINGS_DISCOUNT | 61 | 25 |
| 32446 | 41.3 | STRONG_BUY | VACANCY | 49 | 25 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/32440
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.