ZIP
34785
FL · County 12119 · pop 17,895 (population)
39.4
Opportunity Index
OVERHEATEDNational rank #2743
Why This ZIP
ZIP 34785 ranks #2743 nationally with phase OVERHEATED. Primary driver: VACANCY. Capital opportunity score is 36.9, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 34785 — 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 12119 — ZIP 34785 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 12119 — ZIP 34785 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 12119 — ZIP 34785 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
| Foreclosure / Delinquency | 40.0 |
| Property Stress | 34.0 |
| Listings Discount | 32.2 |
▼ Top 3 Risk Signals
| Bank Institutional | 64.4 |
| Construction Pressure | 41.6 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2743
PhaseOVERHEATED
Primary driverVACANCY
Capital opp36.9
Pulse score41.0
Signal Breakdown — 10 Categories
Vacancy
13.9
Auction / REO
—
Construction Pressure
41.6
FL Deep Bonus
—
Property Stress
34.0
HOA / Federal Liens
—
Listings Discount
32.2
Bank Institutional
64.4
Insurance Distress
0.0
Foreclosure / Delinquency
40.0
Top-Line Metrics
Avg DOM (days)
88.1
Price Cut %
5.8%
Short-Sale Listings
5
Auction Events 90d
—
Vacancy %
13.9%
Bank Score
64.4
Insurance Score
0.0
Listings Discount
32.2
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 34785 | 41.0 | 35.5 | 0.0 | 32.2 |
| County 12119 | 39.9 | 34.6 | 0.0 | 35.8 |
| 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 |
|---|---|---|---|---|---|
| 34731 | 43.8 | STRONG_BUY | VACANCY | 49 | 28 |
| 33513 | 43.0 | STRONG_BUY | VACANCY | 46 | 34 |
| 33538 | 40.8 | STRONG_BUY | VACANCY | 42 | 34 |
| 33514 | 40.4 | PEAK_OPPORTUNITY | VACANCY | 47 | 34 |
| 32163 | 40.0 | OVERHEATED | VACANCY | 34 | 33 |
| 32162 | 39.7 | OVERHEATED | VACANCY | 34 | 32 |
| 32159 | 39.0 | OVERHEATED | VACANCY | 35 | 28 |
| 33597 | 38.8 | PEAK_OPPORTUNITY | VACANCY | 41 | 31 |
| 34484 | 38.3 | PEAK_OPPORTUNITY | VACANCY | 39 | 34 |
| 33585 | 37.5 | OVERHEATED | VACANCY | — | 34 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/34785
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.