ZIP
32966
FL · County 12061 · pop 20,025 (population)
37.8
Opportunity Index
PEAK_OPPORTUNITYNational rank #4547
Why This ZIP
ZIP 32966 ranks #4547 nationally with phase PEAK_OPPORTUNITY. Primary driver: VACANCY. Capital opportunity score is 39.2, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 32966 — 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 12061 — ZIP 32966 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12061 — ZIP 32966 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12061 — ZIP 32966 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 | 36.9 |
| Foreclosure / Delinquency | 32.0 |
| Property Stress | 31.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 59.3 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4547
PhasePEAK_OPPORTUNITY
Primary driverVACANCY
Capital opp39.2
Pulse score36.8
Signal Breakdown — 10 Categories
Vacancy
18.7
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
31.0
HOA / Federal Liens
—
Listings Discount
36.9
Bank Institutional
59.3
Insurance Distress
0.0
Foreclosure / Delinquency
32.0
Top-Line Metrics
Avg DOM (days)
136.1
Price Cut %
2.9%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
18.7%
Bank Score
59.3
Insurance Score
0.0
Listings Discount
36.9
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 32966 | 36.8 | 30.4 | 0.0 | 36.9 |
| County 12061 | 33.7 | 30.4 | 0.0 | 35.7 |
| FL state avg | 37.8 | 29.6 | 4.4 | 35.6 |
| National | 31.0 | 17.4 | 0.4 | 28.4 |
Related ZIPs — Same County (8)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 32968 | 37.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 38 | 31 |
| 32948 | 36.8 | PEAK_OPPORTUNITY | VACANCY | 41 | 30 |
| 32963 | 36.7 | OVERHEATED | VACANCY | 32 | 31 |
| 32962 | 36.7 | PEAK_OPPORTUNITY | VACANCY | 38 | 31 |
| 32958 | 36.6 | OVERHEATED | VACANCY | 36 | 31 |
| 32960 | 36.5 | OVERHEATED | VACANCY | 34 | 31 |
| 32967 | 34.9 | EARLY_SIGNAL | VACANCY | 34 | 31 |
| 32970 | 29.3 | WEAK | VACANCY | — | 18 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/32966
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.