ZIP 34756 vs ZIP 32736

34756 is one of 24 ZIP codes that lie mostly in Lake County, FL.

Shaded by typical home value, it ranks 1 of the 23 with a value.

32736 is one of 24 ZIP codes that lie mostly in Lake County, FL.

Shaded by typical home value, it ranks 2 of the 23 with a value.

3 school locations in 32736: 1 elementary, 1 middle, 1 high.

In alphabetical order: ALEE ACADEMY CHARTER SCHOOL, EUSTIS MIDDLE SCHOOL, SEMINOLE SPRINGS ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34756 was worth $163,270.

Values peaked at $720,101 in March 2025. The latest reading is −1.9% from that peak.

As of August 2026: $706,460, −0.3% over twelve months.

Start with the typical home: $706,460. Put 20% down and borrow $565,168 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,913 a month in principal and interest.

The median household here earns $124,495 a year, $10,375 a month. So the payment takes 37.7% of income — rated “severe” (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 8.7% 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 $978.

In December 2020, with rates at 2.68%, it was $1,512.

By August 2026, at 6.67%, it was $3,635 — +140% since December 2020, while the home's value moved +51%.

Reported values rose +333% 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 $322,230. So the real change is +119%, not +333%.

34756: +333% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 34756 ran ahead of it by 88 points.

Owning the typical home costs about $4,620 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $3,200 a month.

Price divided by a year's rent: 18.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 32736 was worth $130,965.

Values peaked at $482,522 in February 2025. The latest reading is −1.4% from that peak.

As of August 2026: $475,917, +0.6% over twelve months.

Start with the typical home: $475,917. Put 20% down and borrow $380,734 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,636 a month in principal and interest.

The median household here earns $83,727 a year, $6,977 a month. So the payment takes 37.8% of income — rated “severe” (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 10.4% 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 $784.

In December 2020, with rates at 2.68%, it was $1,041.

By August 2026, at 6.67%, it was $2,448 — +135% since December 2020, while the home's value moved +48%.

Reported values rose +263% 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 $258,473. So the real change is +84%, not +263%.

32736: +263% since January 2000.

Lake County: +192% since January 2000.

Florida: +245% since January 2000 — 32736 ran ahead of it by 18 points.

Owning the typical home costs about $3,112 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,160 a month.

Price divided by a year's rent: 34.2. 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 19 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 90.

Going out — closed sales: about 17 a month.

The ladder: homes for sale ÷ monthly sales = 5.2 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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 17 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 7 — so sales ran at 243% of it, and below it in 1 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 23 a month (Redfin, 3-month rolling data through August 2026). That is 84% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 78.

Going out — closed sales: about 16 a month.

The ladder: homes for sale ÷ monthly sales = 4.9 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 16 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — 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).

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: 90 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: 78 in June 2026.

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