ZIP
32640
FL · County 12001 · pop 10,780 (population)
38.5
Opportunity Index
PEAK_OPPORTUNITYNational rank #3706
Why This ZIP
ZIP 32640 ranks #3706 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 49.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32640 — 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 12001 — ZIP 32640 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12001 — ZIP 32640 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12001 — ZIP 32640 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 | 50.2 |
| Foreclosure / Delinquency | 27.0 |
| Property Stress | 26.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 30.5 |
| Construction Pressure | 11.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3706
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp49.2
Pulse score31.4
Signal Breakdown — 10 Categories
Vacancy
19.7
Auction / REO
—
Construction Pressure
11.5
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
50.2
Bank Institutional
30.5
Insurance Distress
0.0
Foreclosure / Delinquency
27.0
Top-Line Metrics
Avg DOM (days)
19.5
Price Cut %
6.9%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
19.7%
Bank Score
30.5
Insurance Score
0.0
Listings Discount
50.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32640 | 31.4 | 26.8 | 0.0 | 50.2 |
| County 12001 | 31.2 | 23.2 | 0.0 | 36.0 |
| 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 |
|---|---|---|---|---|---|
| 32666 | 40.7 | PEAK_OPPORTUNITY | VACANCY | 46 | 27 |
| 32667 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 46 | 25 |
| 32694 | 37.5 | PEAK_OPPORTUNITY | VACANCY | 49 | 24 |
| 32643 | 36.5 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 44 | 24 |
| 32653 | 36.2 | WATCHLIST | BANK_INSTITUTIONAL | 45 | 24 |
| 32622 | 36.0 | WATCHLIST | LISTINGS_DISCOUNT | 45 | 27 |
| 32669 | 35.9 | WATCHLIST | BANK_INSTITUTIONAL | 43 | 25 |
| 32615 | 35.6 | WATCHLIST | BANK_INSTITUTIONAL | 43 | 24 |
| 32605 | 35.5 | WATCHLIST | BANK_INSTITUTIONAL | 44 | 24 |
| 32609 | 35.1 | WATCHLIST | BANK_INSTITUTIONAL | 40 | 24 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/32640
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.