ZIP
32776
FL · County 12069 · pop 12,668 (population)
40.1
Opportunity Index
PEAK_OPPORTUNITYNational rank #2133
Why This ZIP
ZIP 32776 ranks #2133 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 36.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32776 — 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 12069 — ZIP 32776 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12069 — ZIP 32776 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12069 — ZIP 32776 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 | 40.5 |
| Foreclosure / Delinquency | 30.0 |
| Property Stress | 27.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 73.8 |
| Construction Pressure | 64.0 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2133
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp36.9
Pulse score42.3
Signal Breakdown — 10 Categories
Vacancy
10.4
Auction / REO
—
Construction Pressure
64.0
FL Deep Bonus
—
Property Stress
27.0
HOA / Federal Liens
—
Listings Discount
40.5
Bank Institutional
73.8
Insurance Distress
0.0
Foreclosure / Delinquency
30.0
Top-Line Metrics
Avg DOM (days)
117.2
Price Cut %
3.6%
Short-Sale Listings
4
Auction Events 90d
—
Vacancy %
10.4%
Bank Score
73.8
Insurance Score
0.0
Listings Discount
40.5
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32776 | 42.3 | 29.1 | 0.0 | 40.5 |
| County 12069 | 38.9 | 29.2 | 0.0 | 38.3 |
| 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 |
|---|---|---|---|---|---|
| 32102 | 44.7 | STRONG_BUY | VACANCY | 52 | 27 |
| 34731 | 43.8 | STRONG_BUY | VACANCY | 49 | 28 |
| 32767 | 42.6 | STRONG_BUY | VACANCY | 57 | 28 |
| 34788 | 42.3 | STRONG_BUY | VACANCY | 46 | 28 |
| 32784 | 42.1 | STRONG_BUY | VACANCY | 42 | 27 |
| 32134 | 40.5 | PEAK_OPPORTUNITY | VACANCY | 47 | 26 |
| 34748 | 40.3 | PEAK_OPPORTUNITY | VACANCY | 38 | 28 |
| 34714 | 40.1 | OVERHEATED | VACANCY | 36 | 28 |
| 32163 | 40.0 | OVERHEATED | VACANCY | 34 | 33 |
| 32778 | 40.0 | PEAK_OPPORTUNITY | VACANCY | 41 | 28 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/32776
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.