ZIP
34604
FL · County 12053 · pop 13,964 (population)
38.5
Opportunity Index
PEAK_OPPORTUNITYNational rank #3653
Why This ZIP
ZIP 34604 ranks #3653 nationally with phase PEAK_OPPORTUNITY. Primary driver: LISTINGS_DISCOUNT. Capital opportunity score is 46.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 34604 — 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 12053 — ZIP 34604 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12053 — ZIP 34604 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12053 — ZIP 34604 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 | 43.1 |
| Foreclosure / Delinquency | 30.0 |
| Property Stress | 27.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 79.9 |
| Bank Institutional | 29.5 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3653
PhasePEAK_OPPORTUNITY
Primary driverLISTINGS_DISCOUNT
Capital opp46.8
Pulse score32.9
Signal Breakdown — 10 Categories
Vacancy
7.1
Auction / REO
—
Construction Pressure
79.9
FL Deep Bonus
—
Property Stress
27.0
HOA / Federal Liens
—
Listings Discount
43.1
Bank Institutional
29.5
Insurance Distress
0.0
Foreclosure / Delinquency
30.0
Top-Line Metrics
Avg DOM (days)
112.8
Price Cut %
9.8%
Short-Sale Listings
3
Auction Events 90d
—
Vacancy %
7.1%
Bank Score
29.5
Insurance Score
0.0
Listings Discount
43.1
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 34604 | 32.9 | 29.4 | 0.0 | 43.1 |
| County 12053 | 39.0 | 29.4 | 0.0 | 41.4 |
| 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 |
|---|---|---|---|---|---|
| 34601 | 42.8 | STRONG_BUY | VACANCY | 48 | 27 |
| 34613 | 42.2 | STRONG_BUY | VACANCY | 45 | 27 |
| 34609 | 39.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 41 | 27 |
| 34606 | 39.7 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 39 | 27 |
| 34608 | 39.6 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 38 | 27 |
| 34602 | 39.5 | PEAK_OPPORTUNITY | VACANCY | 44 | 27 |
| 33523 | 38.6 | PEAK_OPPORTUNITY | VACANCY | 40 | 25 |
| 34607 | 38.5 | OVERHEATED | VACANCY | 34 | 27 |
| 34614 | 38.3 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 43 | 27 |
| 33597 | 38.1 | PEAK_OPPORTUNITY | VACANCY | 41 | 29 |
DLRadar data · last update 10/20/2026, 3:35:57 AM
API: /api/economic-pulse/zip/34604
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.