ZIP
34228
FL · County 12115 · pop 7,512 (population)
44.9
Opportunity Index
OVERHEATEDNational rank #280
Why This ZIP
ZIP 34228 ranks #280 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 38.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 34228 — 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 12115 — ZIP 34228 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12115 — ZIP 34228 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12115 — ZIP 34228 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 | 57.7 |
| Foreclosure / Delinquency | 52.0 |
| Property Stress | 40.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 61.4 |
| Insurance Distress | 47.0 |
| Construction Pressure | 43.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal Liens
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#280
PhaseOVERHEATED
Primary driverVACANCY
Capital opp38.8
Pulse score49.0
Signal Breakdown — 10 Categories
Vacancy
57.7
Auction / REO
—
Construction Pressure
43.4
FL Deep Bonus
—
Property Stress
40.0
HOA / Federal Liens
—
Listings Discount
32.7
Bank Institutional
61.4
Insurance Distress
47.0
Foreclosure / Delinquency
52.0
Top-Line Metrics
Avg DOM (days)
131.7
Price Cut %
12.7%
Short-Sale Listings
0
Auction Events 90d
—
Vacancy %
57.7%
Bank Score
61.4
Insurance Score
47.0
Listings Discount
32.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 34228 | 49.0 | 43.9 | 47.0 | 32.7 |
| County 12115 | 51.7 | 51.9 | 46.9 | 37.1 |
| 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 |
|---|---|---|---|---|---|
| 34224 | 52.1 | STRONG_BUY | VACANCY | 37 | 51 |
| 34287 | 50.8 | STRONG_BUY | VACANCY | 43 | 46 |
| 34237 | 50.2 | STRONG_BUY | VACANCY | 40 | 46 |
| 34229 | 49.5 | OVERHEATED | VACANCY | 35 | 46 |
| 34293 | 49.4 | STRONG_BUY | VACANCY | 39 | 46 |
| 34223 | 49.0 | OVERHEATED | VACANCY | 36 | 47 |
| 34242 | 49.0 | OVERHEATED | VACANCY | 33 | 46 |
| 34234 | 48.9 | STRONG_BUY | BANK_INSTITUTIONAL | 36 | 46 |
| 34238 | 48.8 | OVERHEATED | VACANCY | 36 | 46 |
| 34275 | 48.7 | STRONG_BUY | VACANCY | 37 | 46 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/34228
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.