ZIP 32707

32707 is one of 14 ZIP codes that lie mostly in Seminole County, FL.

Shaded by typical home value, it ranks 10 of the 14 with a value.

4 school locations in 32707: 3 elementary, 1 middle.

In alphabetical order: CASSELBERRY ELEMENTARY SCHOOL, RED BUG ELEMENTARY SCHOOL, SOUTH SEMINOLE MIDDLE SCHOOL, STERLING PARK ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 32707 was worth $95,174.

Values peaked at $375,996 in May 2024. The latest reading is −7.3% from that peak.

As of August 2026: $348,642, −1.2% over twelve months.

Start with the typical home: $348,642. Put 20% down and borrow $278,914 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,931 a month in principal and interest.

The median household here earns $66,780 a year, $5,565 a month. So the payment takes 34.7% 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 9.5% 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 $570.

In December 2020, with rates at 2.68%, it was $835.

By August 2026, at 6.67%, it was $1,794 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +266% 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 $187,836. So the real change is +86%, not +266%.

32707: +266% since January 2000.

Seminole County: +238% since January 2000.

Florida: +245% since January 2000 — 32707 ran ahead of it by 21 points.

Against 1,098 Florida ZIP codes, 32707 sits at the 41st percentile for affordability (price vs local income).

45th for appreciation (recent value growth); 51st for rental yield (rent vs price).

Owning the typical home costs about $2,280 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,920 a month.

Price divided by a year's rent: 15.1. 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 51 a month (Redfin, 3-month rolling data through August 2026). That is 68% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 113.

Going out — closed sales: about 42 a month. That is 60% of the 2015–2019 level for the same months. The drain is drawn 42% narrower: the share of homes for sale that sell each month is 58% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.7 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 60 — so sales ran at 70% of it, and below it in 24 of the last 24 months.

Across Seminole County, builders pulled permits for 1,997 new homes in 2025.

Of those, 45% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Seminole County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,713 moved in. Among the ten receiving the most, 12,534 moved out.

Net across those counties: +179 households. Beside it, homes for sale in this ZIP: 113 in June 2026.

Most arrivals came from Orange, FL (7,701 households); most departures went to Orange, FL (6,288).