ZIP
32539
FL · County 12091 · pop 33,150 (population)
42.2
Opportunity Index
STRONG_BUYNational rank #887
Why This ZIP
ZIP 32539 ranks #887 nationally with phase STRONG_BUY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 44.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32539 — 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 12091 — ZIP 32539 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12091 — ZIP 32539 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12091 — ZIP 32539 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 | 48.1 |
| Property Stress | 36.0 |
| Foreclosure / Delinquency | 30.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 61.2 |
| Construction Pressure | 33.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#887
PhaseSTRONG_BUY
Primary driverBANK_INSTITUTIONAL
Capital opp44.5
Pulse score40.6
Signal Breakdown — 10 Categories
Vacancy
9.1
Auction / REO
—
Construction Pressure
33.0
FL Deep Bonus
—
Property Stress
36.0
HOA / Federal Liens
—
Listings Discount
48.1
Bank Institutional
61.2
Insurance Distress
0.0
Foreclosure / Delinquency
30.0
Top-Line Metrics
Avg DOM (days)
124.2
Price Cut %
41.0%
Short-Sale Listings
15
Auction Events 90d
—
Vacancy %
9.1%
Bank Score
61.2
Insurance Score
0.0
Listings Discount
48.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32539 | 40.6 | 34.7 | 0.0 | 48.1 |
| County 12091 | 42.1 | 41.4 | 0.0 | 46.7 |
| 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 |
|---|---|---|---|---|---|
| 32548 | 46.1 | STRONG_BUY | VACANCY | 47 | 45 |
| 32579 | 45.6 | STRONG_BUY | BANK_INSTITUTIONAL | 49 | 45 |
| 32541 | 45.4 | STRONG_BUY | VACANCY | 44 | 45 |
| 32569 | 45.3 | STRONG_BUY | BANK_INSTITUTIONAL | 49 | 45 |
| 32536 | 44.9 | STRONG_BUY | BANK_INSTITUTIONAL | 51 | 45 |
| 32580 | 44.6 | STRONG_BUY | VACANCY | 52 | 45 |
| 32547 | 44.6 | STRONG_BUY | BANK_INSTITUTIONAL | 48 | 45 |
| 32578 | 43.0 | STRONG_BUY | BANK_INSTITUTIONAL | 49 | 40 |
| 32567 | 42.8 | STRONG_BUY | VACANCY | 45 | 33 |
| 32531 | 38.6 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 46 | 33 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/32539
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.