Lake County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lake County, CA distress report, 2026: 15 ZIPs scored in Lake, CA, Lake, CA average 28/100; the top Lake, CA ZIP is 95422 at 28/100; Lake, CA market phase peak, Lake, CA prices +0.4% year over year.
- Lake, CA ranks #404 nationally (opportunity index); Lake, CA #3 in California; Lake, CA index 34.0.
- Lake, CA: no CFPB county sample; Lake, CA non-metro area reading 0.6%.
- Lake, CA ZIP phases: 15 peak.
- Lake, CA residential listings tracked: 52 across 14 ZIPs; Lake, CA candidate listings 20.
- Lake, CA HUD assisted properties: 3 with 64 units.
- Lake, CA lenders on watch: 3; largest Lake, CA footprint Westamerica Bank (4 branches).
- Lake, CA most distressed ZIP: 95422 at 28/100.
Lake, CA figures: DLRadar distress index; Lake, CA inputs: CFPB, FHFA, HUD, FDIC; Lake, CA rebuilt as sources refresh.
| Rank | Lake, CA ZIP | Score |
|---|---|---|
| 1 | 95422 | 28/100 |
| 2 | 95423 | 28/100 |
| 3 | 95426 | 28/100 |
| 4 | 95435 | 28/100 |
| 5 | 95443 | 28/100 |
| 6 | 95451 | 28/100 |
| 7 | 95453 | 28/100 |
| 8 | 95457 | 28/100 |
| 9 | 95458 | 28/100 |
| 10 | 95461 | 28/100 |
| 11 | 95464 | 28/100 |
| 12 | 95467 | 28/100 |
Most distressed Lake, CA ZIPs (0-100, 2026)
Mortgage delinquency around Lake, CA
No CFPB county sample covers Lake, CA; the non-metro area reading for Lake, CA: 0.6% ninety-plus; Lake, CA area thirty-to-eighty-nine 1.7% (December 2025, Lake, CA); California overall 0.5%.
Opportunity index: Lake, CA
Lake, CA index 34.0, Lake, CA phase peak_opportunity; Lake, CA primary driver vacancy, Lake, CA second driver bank institutional. Lake, CA components: property stress 31.9, foreclosure pressure 37.4, listing discounts 28.3, bank stress 48.5, insurance 0.0; Lake, CA pulse 38.0; Lake, CA capital opportunity 28.0.
ZIP market phases inside Lake, CA
15 Lake, CA ZIPs carry a price-cycle phase; Lake, CA ZIPs by phase (Lake, CA), deepest drawdown first: peak, +0.4% YoY, 0.2% off peak (Lake, CA): 95422, 95423, 95426, 95435, Lake, CA 95443, 95451, 95453, 95457, Lake, CA 95458, 95461, 95464, 95467, Lake, CA 95485, 95493, 95469.
Residential listings by Lake, CA ZIP
Lake, CA ZIPs with the most tracked Lake, CA residential listings: 95451 10 listings, 2 candidates, bank pressure 59; 95467 10 listings, 6 candidates, bank pressure 59; 95422 7 listings, 3 candidates, bank pressure 59; 95461 7 listings, 1 candidates, bank pressure 59 (Lake, CA); 95458 4 listings, 2 candidates, bank pressure 59; 95453 3 listings, 0 candidates, bank pressure 59; 95457 3 listings, 3 candidates, bank pressure 59; 95423 2 listings, 2 candidates, bank pressure 59. Lake, CA totals: 52 listings; Lake, CA candidates 20; active ZIPs 4.
HUD assisted housing in Lake, CA
3 assisted properties with 64 units sit in Lake, CA; largest Lake, CA properties: North Shore Villas (Lucerne) 31 units, 31 assisted; Eskaton Clearlake Oaks (Clearlake Oaks) 23 units, 22 assisted; Bevins Court (Lakeport) 10 units, 10 assisted in Lake, CA.
Lenders with branches in Lake, CA
Lake, CA lenders by branch count: Westamerica Bank (Lake, CA): stress 52, 4 branches low in Lake, CA; Svg Bank Of Mendocino County (Lake, CA): stress 52, 1 branch low in Lake, CA; Tri Counties Bank (Lake, CA): stress 49, 1 branch low in Lake, CA.
Vacancy and permits, Lake, CA
7,460 of 34,400 Lake, CA housing units are vacant; Lake, CA permits, twelve months: 64 multifamily units in Lake, CA, 51 one-to-four unit units.
Work Lake, CA at the parcel level
Every Lake, CA parcel carries owner and address; every Lake, CA parcel carries APN; Lake, CA distress scores sit on the Lake, CA live board.
Lake, CA figures refresh with each source.
Lake, CA questions
Most distressed ZIP code in Lake County, CA?
ZIP 95422 leads Lake, CA at 28/100; next in Lake, CA: 95423 at 28/100; the Lake, CA average is 28/100.
Where does Lake County, CA rank for investment opportunity?
Lake, CA is #404 among all ranked counties, #3 in California; the Lake, CA driver is vacancy; Lake, CA moved up 126 places.
How many mortgages are delinquent in Lake County, CA?
Lake, CA takes the non-metro area reading of 0.6% for December 2025; no CFPB county sample covers Lake, CA.
Which banks lend in Lake County, CA?
3 watched lenders hold Lake, CA branches; the largest Lake, CA footprints are Westamerica Bank (4), Svg Bank Of Mendocino County (1), Tri Counties Bank (1).
More on Lake, CA
Lake County, CA distress report: public-record figures for Lake, CA; not legal advice for Lake, CA; not tax or investment advice; verify every Lake, CA record before acting.