HousingHandbookReference data

U.S. ZIP Code · FL32735

Lake County · Orlando-Kissimmee-Sanford, FL

Typical home value

$321,618[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-4.0%
5-year / yr
+5.1%
10-year / yr
+7.0%

Relative price

vs U.S.
+13.2%
vs metro
-17.4%
vs state
-7.3%
ZIP 32735 location in FL
Location of ZIP 32735 in FL

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 32735 is worth $321,618 — 17.4% below the Orlando-Kissimmee-Sanford, FL median. Over the past year, values have fallen 4.0%. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.7%[3]
Typical annual tax
$2,289[3]

#Climate risk

FEMA National Risk Index ratings for Lake County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Very Low
Wildfire
Relatively Moderate
Drought
Relatively Low
Heat wave
Relatively Moderate
Hurricane
Relatively High
Tornado
Relatively High
Earthquake
Relatively Low
Winter weather
No Rating

#Who lives here

Population
5,304[3]
Median household income
$68,441[3]

#Migration

Household moves in and out of Lake County over a year, from IRS tax-return data.

Net migration
+6,180[5]
Moved in
19,416
Moved out
13,236

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,626
Loan principal$257,295
Down payment$64,324
Total interest paid$328,165

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$2,085
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
26th percentile[1]
Rental yield
[2]
Property tax
31st percentile[3]

Frequently asked

How much is a home worth in ZIP code 32735?
The typical home in 32735 is worth $321,618, based on the Zillow Home Value Index.
Are home values rising in 32735?
Home values in 32735 are down 4.0% over the past year, and up 5.1% a year over five years.
What is the property tax rate in 32735?
The effective property tax rate in 32735 is 0.7% — roughly $2,289 a year on a typical home.
Who lives in 32735?
ZIP code 32735 has a population of 5,304 and a median household income of $68,441.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Fern Park CDP, FL

    Typical home
    $321,183
    Gross yield
    6.3%
  • Mascotte, FL

    Typical home
    $325,258
    Gross yield
    8.4%
  • St. Cloud, FL

    Typical home
    $317,864
    Gross yield
    7.4%
  • Orlando, FL

    Typical home
    $317,805
    Gross yield
    6.1%
  • Lady Lake, FL

    Typical home
    $317,703
    Gross yield
    5.9%
  • Orlando, FL

    Typical home
    $313,573
    Gross yield
    6.9%

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

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Pit ZIP 32735 against any other ZIP — full side-by-side table.

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