ZIP
34638
FL · County 12101 · pop 35,900 (population)
38.3
Opportunity Index
PEAK_OPPORTUNITYNational rank #3930
Why This ZIP
ZIP 34638 ranks #3930 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 39.7, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 34638 — 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 12101 — ZIP 34638 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12101 — ZIP 34638 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12101 — ZIP 34638 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 | 44.6 |
| Foreclosure / Delinquency | 28.0 |
| Property Stress | 26.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 68.6 |
| Construction Pressure | 32.8 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#3930
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp39.7
Pulse score37.4
Signal Breakdown — 10 Categories
Vacancy
5.3
Auction / REO
—
Construction Pressure
32.8
FL Deep Bonus
—
Property Stress
26.0
HOA / Federal Liens
—
Listings Discount
44.6
Bank Institutional
68.6
Insurance Distress
0.0
Foreclosure / Delinquency
28.0
Top-Line Metrics
Avg DOM (days)
110.0
Price Cut %
4.9%
Short-Sale Listings
16
Auction Events 90d
—
Vacancy %
5.3%
Bank Score
68.6
Insurance Score
0.0
Listings Discount
44.6
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 34638 | 37.4 | 28.5 | 0.0 | 44.6 |
| County 12101 | 36.5 | 28.4 | 0.0 | 41.7 |
| 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 |
|---|---|---|---|---|---|
| 33541 | 43.9 | STRONG_BUY | VACANCY | 60 | 26 |
| 33542 | 41.4 | STRONG_BUY | VACANCY | 49 | 26 |
| 34690 | 40.8 | STRONG_BUY | VACANCY | 45 | 26 |
| 33540 | 40.4 | PEAK_OPPORTUNITY | VACANCY | 55 | 26 |
| 34691 | 39.9 | PEAK_OPPORTUNITY | VACANCY | 41 | 26 |
| 33809 | 39.4 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 37 | 30 |
| 33545 | 39.2 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 47 | 26 |
| 34652 | 39.1 | PEAK_OPPORTUNITY | VACANCY | 40 | 26 |
| 33523 | 39.0 | PEAK_OPPORTUNITY | VACANCY | 40 | 26 |
| 33597 | 38.8 | PEAK_OPPORTUNITY | VACANCY | 41 | 31 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/34638
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.