ZIP
32738
FL · County 12127 · pop 48,458 (population)
40.0
Opportunity Index
PEAK_OPPORTUNITYNational rank #2197
Why This ZIP
ZIP 32738 ranks #2197 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 40.5, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32738 — 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 12127 — ZIP 32738 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12127 — ZIP 32738 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12127 — ZIP 32738 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 | 44.3 |
| Foreclosure / Delinquency | 28.0 |
| Property Stress | 26.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 78.3 |
| Bank Institutional | 64.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2197
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp40.5
Pulse score39.7
Signal Breakdown — 10 Categories
Vacancy
4.4
Auction / REO
—
Construction Pressure
78.3
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
44.3
Bank Institutional
64.6
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
80.7
Price Cut %
6.2%
Short-Sale Listings
25
Auction Events 90d
—
Vacancy %
4.4%
Bank Score
64.6
Insurance Score
0.0
Listings Discount
44.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32738 | 39.7 | 28.3 | 0.0 | 44.3 |
| County 12127 | 39.7 | 28.3 | 0.0 | 38.0 |
| 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 |
|---|---|---|---|---|---|
| 32102 | 44.4 | STRONG_BUY | VACANCY | 52 | 26 |
| 32754 | 41.4 | STRONG_BUY | VACANCY | 44 | 26 |
| 32119 | 40.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 39 | 26 |
| 32141 | 40.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 40 | 26 |
| 32169 | 40.5 | OVERHEATED | VACANCY | 36 | 26 |
| 32176 | 40.4 | OVERHEATED | VACANCY | 36 | 26 |
| 32117 | 40.0 | PEAK_OPPORTUNITY | VACANCY | 39 | 26 |
| 32180 | 39.8 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 39 | 26 |
| 32127 | 39.7 | OVERHEATED | VACANCY | 35 | 26 |
| 32725 | 39.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 26 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/32738
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.