Zellwood 32798

Orange County, FL · 3,912 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

44affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
34.2%
stretched
Days on market
76
daily
Price cuts
7.4%
of active
Valuation
+1.2%
vs assessor
Look up an address
56
/100
Mixed
cooling · balanced · prices easing year-over-year.
Price trend
50
Affordability
45
Valuation
90
Economic health
44

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

69/ 100SellerBalancedBuyer
Negotiate Hard
Needs 12.3% correction for affordability
DOM: 127d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)100
Supply & Demand (20%)20
Buy vs Rent (15%)100
Cancellation Rate (10%)75
Days on Market (5%)100

Moderate buyer leverage in 32798. Room to negotiate 5-10% below list. Payment burden: 34.2% of median income. Median days on market: 127. Renting is approximately 140% cheaper than buying (price-to-rent ratio: 28.8). Market appears 35% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 1.6% YoY.

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Market snapshoteach number, once

Median price
$340,271
▾ 1.6% YoY
Days on market
76
daily · zip_data
Median rent
$985
ZORI
Investor score
28/100
cash-flow lens
Active listings
8
90-day

Valuation3 lenses, different anchors

vs assessor
+1.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$344,300
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+71.7%
County-wide market — the widest, slowest signal.
Orange+71.7%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$166
Price-to-income5.6×

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How 32798 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity39%
Supply tightness88%
Affordability31%
Investment yield6%
Appreciation54%

Affordability, supply & momentum

73SUPPLY
Tight MarketSupply Tightness

Supply is below normal — sellers are favored but buyers still have options.

Months of Supply2.8 mo
Days on Market76d
Inv vs History-50.0%
Listing Density6.3/1k
Affordability — payment burden
Monthly payment (P&I)$1,719
Payment burden34.2%
Median income · ZIP$60,337
Mortgage rate6.49% · 30yr
Total monthly own$2,059
Monthly rent$985
Market dynamics
Price cut %7.4%
Momentumcooling
LeverageBALANCED
Months of supply2.8
Sales (90d)0
Investment analysis
Median rent$985
Price-to-rent28.8
Est. cap rate2.3%
Buy vs rentfavors renting

Livability

Walk score7
Transit score
Bike score

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Orange County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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