ZIP 34711 vs ZIP 32776

34711 is one of 24 ZIP codes that lie mostly in Lake County, FL.

Shaded by typical home value, it ranks 4 of the 23 with a value.

10 school locations in 34711: 4 elementary, 4 middle, 2 high.

In alphabetical order: CLERMONT ELEMENTARY SCHOOL, CYPRESS RIDGE ELEMENTARY SCHOOL, EAST RIDGE HIGH SCHOOL, EAST RIDGE MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

32776 is one of 24 ZIP codes that lie mostly in Lake County, FL — 86% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 23 with a value.

1 school location in 32776: 1 elementary.

In alphabetical order: SORRENTO ELEMENTARY. Locations only — no ratings are shown here.

In January 2000 the typical home in 34711 was worth $148,221.

Values peaked at $455,187 in May 2024. The latest reading is −6.0% from that peak.

As of August 2026: $428,094, −2.1% over twelve months.

Start with the typical home: $428,094. Put 20% down and borrow $342,475 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,371 a month in principal and interest.

The median household here earns $88,474 a year, $7,373 a month. So the payment takes 32.2% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 11.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $887.

In December 2020, with rates at 2.68%, it was $1,005.

By August 2026, at 6.67%, it was $2,202 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +189% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $292,529. So the real change is +46%, not +189%.

34711: +189% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 34711 ran behind it by 56 points.

Owning the typical home costs about $2,799 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,986 a month.

Price divided by a year's rent: 18.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32776 was worth $137,979.

Values peaked at $423,499 in February 2025. The latest reading is −2.9% from that peak.

As of August 2026: $411,215, −0.9% over twelve months.

Start with the typical home: $411,215. Put 20% down and borrow $328,972 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,278 a month in principal and interest.

The median household here earns $97,217 a year, $8,101 a month. So the payment takes 28.1% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.4% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $826.

In December 2020, with rates at 2.68%, it was $964.

By August 2026, at 6.67%, it was $2,116 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +198% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $272,316. So the real change is +51%, not +198%.

32776: +198% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 32776 ran behind it by 47 points.

Owning the typical home costs about $2,689 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,445 a month.

Price divided by a year's rent: 14.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 117 a month (Redfin, 3-month rolling data through August 2026). That is 82% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 392. That is 115% of the 2015–2019 level for the same months.

Going out — closed sales: about 85 a month. That is 62% of the 2015–2019 level for the same months. The drain is drawn 48% narrower: the share of homes for sale that sell each month is 52% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.6 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 32 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 85 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 116 — so sales ran at 73% of it, and below it in 24 of the last 24 months.

Across Lake County, builders pulled permits for 5,342 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 27 a month (Redfin, 3-month rolling data through August 2026). That is 85% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 96.

Going out — closed sales: about 12 a month. That is 47% of the 2015–2019 level for the same months. The drain is drawn 57% narrower: the share of homes for sale that sell each month is 43% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 7.8 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 23 — so sales ran at 52% of it, and below it in 9 of the last 24 months.

Across Lake County, builders pulled permits for 5,342 new homes in 2025.

Of those, 75% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,955 moved in. Among the ten receiving the most, 6,695 moved out.

Net across those counties: +3,260 households. Beside it, homes for sale in this ZIP: 392 in June 2026.

Most arrivals came from Orange, FL (4,390 households); most departures went to Orange, FL (2,145).

This ZIP sits in Lake County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,955 moved in. Among the ten receiving the most, 6,695 moved out.

Net across those counties: +3,260 households. Beside it, homes for sale in this ZIP: 96 in June 2026.

Most arrivals came from Orange, FL (4,390 households); most departures went to Orange, FL (2,145).