ZIP
34103
FL · County 12021 · pop 11,289 (population)
37.8
Opportunity Index
OVERHEATEDNational rank #4547
Why This ZIP
ZIP 34103 ranks #4547 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 36.1, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 34103 — 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 12021 — ZIP 34103 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12021 — ZIP 34103 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12021 — ZIP 34103 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
| Vacancy | 47.0 |
| Foreclosure / Delinquency | 32.0 |
| Property Stress | 29.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 55.1 |
| Construction Pressure | 48.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#4547
PhaseOVERHEATED
Primary driverVACANCY
Capital opp36.1
Pulse score38.9
Signal Breakdown — 10 Categories
Vacancy
47.0
Auction / REO
—
Construction Pressure
48.8
FL Deep Bonus
—
Property Stress
29.0
HOA / Federal Liens
—
Listings Discount
28.3
Bank Institutional
55.1
Insurance Distress
0.0
Foreclosure / Delinquency
32.0
Top-Line Metrics
Avg DOM (days)
105.0
Price Cut %
—%
Short-Sale Listings
2
Auction Events 90d
—
Vacancy %
47.0%
Bank Score
55.1
Insurance Score
0.0
Listings Discount
28.3
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 34103 | 38.9 | 32.2 | 0.0 | 28.3 |
| County 12021 | 39.2 | 32.3 | 0.2 | 34.1 |
| 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 |
|---|---|---|---|---|---|
| 34135 | 49.7 | STRONG_BUY | VACANCY | 37 | 47 |
| 34134 | 48.5 | OVERHEATED | VACANCY | 36 | 45 |
| 34138 | 43.5 | STRONG_BUY | VACANCY | 58 | 29 |
| 34120 | 40.2 | PEAK_OPPORTUNITY | VACANCY | 37 | 29 |
| 34112 | 40.2 | OVERHEATED | VACANCY | 35 | 29 |
| 34104 | 40.1 | PEAK_OPPORTUNITY | VACANCY | 37 | 29 |
| 34110 | 39.8 | OVERHEATED | VACANCY | 33 | 30 |
| 34105 | 39.6 | OVERHEATED | VACANCY | 36 | 29 |
| 34113 | 39.5 | OVERHEATED | VACANCY | 35 | 29 |
| 34109 | 39.1 | OVERHEATED | VACANCY | 33 | 29 |
DLRadar data · last update 10/20/2026, 12:38:14 PM
API: /api/economic-pulse/zip/34103
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.