ZIP
32822
FL · County 12095 · pop 67,636 (population)
38.2
Opportunity Index
OVERHEATEDNational rank #3998
Why This ZIP
ZIP 32822 ranks #3998 nationally with phase OVERHEATED. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 38.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32822 — 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 12095 — ZIP 32822 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12095 — ZIP 32822 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12095 — ZIP 32822 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 | 36.2 |
| Foreclosure / Delinquency | 28.0 |
| Property Stress | 26.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 69.7 |
| Bank Institutional | 58.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3998
PhaseOVERHEATED
Primary driverBANK_INSTITUTIONAL
Capital opp38.1
Pulse score38.2
Signal Breakdown — 10 Categories
Vacancy
10.4
Auction / REO
—
Construction Pressure
69.7
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
36.2
Bank Institutional
58.4
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
93.1
Price Cut %
17.4%
Short-Sale Listings
6
Auction Events 90d
—
Vacancy %
10.4%
Bank Score
58.4
Insurance Score
0.0
Listings Discount
36.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32822 | 38.2 | 27.8 | 0.0 | 36.2 |
| County 12095 | 37.9 | 27.6 | 0.0 | 35.2 |
| 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 |
|---|---|---|---|---|---|
| 32798 | 40.7 | STRONG_BUY | VACANCY | 51 | 26 |
| 32811 | 40.6 | PEAK_OPPORTUNITY | VACANCY | 39 | 26 |
| 32837 | 40.4 | PEAK_OPPORTUNITY | VACANCY | 39 | 26 |
| 32821 | 40.4 | OVERHEATED | VACANCY | 36 | 26 |
| 34747 | 40.3 | OVERHEATED | VACANCY | 34 | 27 |
| 32824 | 40.2 | PEAK_OPPORTUNITY | VACANCY | 38 | 26 |
| 32776 | 40.0 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 40 | 27 |
| 32805 | 39.6 | OVERHEATED | VACANCY | 32 | 26 |
| 32819 | 39.5 | OVERHEATED | VACANCY | 35 | 26 |
| 32829 | 39.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 26 |
DLRadar data · last update 10/20/2026, 9:32:01 AM
API: /api/economic-pulse/zip/32822
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.