Santa Cruz County, AZ Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Santa Cruz County, AZ distress report, 2026: 9 ZIPs scored in Santa Cruz, AZ, Santa Cruz, AZ average 22/100; the top Santa Cruz, AZ ZIP is 85621 at 22/100; Santa Cruz, AZ market phase peak, Santa Cruz, AZ prices +0.5% year over year.
- Santa Cruz, AZ ranks #1,746 nationally (opportunity index); Santa Cruz, AZ #10 in Arizona; Santa Cruz, AZ index 28.6.
- Santa Cruz, AZ: no CFPB county sample; Santa Cruz, AZ state reading 0.8%.
- Santa Cruz, AZ ZIP phases: 8 peak, 1 recovery.
- Santa Cruz, AZ residential listings tracked: 21 across 7 ZIPs; Santa Cruz, AZ candidate listings 10.
- Santa Cruz, AZ HUD assisted properties: 2 with 148 units.
- Santa Cruz, AZ most distressed ZIP: 85621 at 22/100.
Santa Cruz, AZ figures: DLRadar distress index; Santa Cruz, AZ inputs: CFPB, FHFA, HUD, FDIC; Santa Cruz, AZ rebuilt as sources refresh.
| Rank | Santa Cruz, AZ ZIP | Score |
|---|---|---|
| 1 | 85621 | 22/100 |
| 2 | 85624 | 22/100 |
| 3 | 85640 | 22/100 |
| 4 | 85646 | 22/100 |
| 5 | 85648 | 22/100 |
| 6 | 85611 | 21/100 |
| 7 | 85614 | 21/100 |
| 8 | 85637 | 21/100 |
| 9 | 85645 | 21/100 |
Most distressed Santa Cruz, AZ ZIPs (0-100, 2026)
Mortgage delinquency around Santa Cruz, AZ
No CFPB county sample covers Santa Cruz, AZ; the state reading for Santa Cruz, AZ: 0.8% ninety-plus; Santa Cruz, AZ area thirty-to-eighty-nine 2.0% (December 2025, Santa Cruz, AZ).
Opportunity index: Santa Cruz, AZ
Santa Cruz, AZ index 28.6, Santa Cruz, AZ phase early_signal; Santa Cruz, AZ primary driver bank institutional, Santa Cruz, AZ second driver vacancy. Santa Cruz, AZ components: property stress 16.6, foreclosure pressure 19.3, listing discounts 28.9, bank stress 65.2, insurance 0.0; Santa Cruz, AZ pulse 33.1; Santa Cruz, AZ capital opportunity 21.9.
ZIP market phases inside Santa Cruz, AZ
9 Santa Cruz, AZ ZIPs carry a price-cycle phase; Santa Cruz, AZ ZIPs by phase (Santa Cruz, AZ), deepest drawdown first: peak, +0.5% YoY, 1.1% off peak (Santa Cruz, AZ): 85611; recovery, +1.6% YoY, 0.8% off peak (Santa Cruz, AZ): 85614; peak, +1.2% YoY, 0.7% off peak (Santa Cruz, AZ): 85645; peak, +1.0% YoY, 0.6% off peak (Santa Cruz, AZ): 85637; peak, +0.5% YoY, 0.4% off peak (Santa Cruz, AZ): 85621, 85624, 85640, 85646, Santa Cruz, AZ 85648.
Residential listings by Santa Cruz, AZ ZIP
Santa Cruz, AZ ZIPs with the most tracked Santa Cruz, AZ residential listings: 85648 15 listings, 7 candidates, bank pressure 67; 85621 3 listings, 0 candidates, bank pressure 67; 85646 2 listings, 2 candidates, bank pressure 67; 85611 1 listings, 1 candidates, bank pressure 64 (Santa Cruz, AZ); 85624 0 listings, 0 candidates, bank pressure 67; 85637 0 listings, 0 candidates, bank pressure 65; 85640 0 listings, 0 candidates, bank pressure 67. Santa Cruz, AZ totals: 21 listings; Santa Cruz, AZ candidates 10; active ZIPs 2.
HUD assisted housing in Santa Cruz, AZ
2 assisted properties with 148 units sit in Santa Cruz, AZ; largest Santa Cruz, AZ properties: Mountain Pointe Apartments (Nogales) 108 units; Casitas De Santa Cruz (Nogales) 40 units, 39 assisted.
Vacancy and permits, Santa Cruz, AZ
2,266 of 19,232 Santa Cruz, AZ housing units are vacant; Santa Cruz, AZ permits, twelve months: 0 multifamily units in Santa Cruz, AZ, 368 one-to-four unit units.
Work Santa Cruz, AZ at the parcel level
Every Santa Cruz, AZ parcel carries owner and address; every Santa Cruz, AZ parcel carries APN; Santa Cruz, AZ distress scores sit on the Santa Cruz, AZ live board.
Santa Cruz, AZ figures refresh with each source.
Santa Cruz, AZ questions
Most distressed ZIP code in Santa Cruz County, AZ?
ZIP 85621 leads Santa Cruz, AZ at 22/100; next in Santa Cruz, AZ: 85624 at 22/100; the Santa Cruz, AZ average is 22/100.
Where does Santa Cruz County, AZ rank for investment opportunity?
Santa Cruz, AZ is #1,746 among all ranked counties, #10 in Arizona; the Santa Cruz, AZ driver is bank institutional; Santa Cruz, AZ moved down 170 places.
How many mortgages are delinquent in Santa Cruz County, AZ?
Santa Cruz, AZ takes the state reading of 0.8% for December 2025; no CFPB county sample covers Santa Cruz, AZ.
More on Santa Cruz, AZ
Santa Cruz County, AZ distress report: public-record figures for Santa Cruz, AZ; not legal advice for Santa Cruz, AZ; not tax or investment advice; verify every Santa Cruz, AZ record before acting.