ZIP 92104 Foreclosure, Tax-Lien & Distress Report

ZIP code 92104 in San Diego County, California carries a composite property-distress score of 34/100 — a moderate reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — climate & FEMA risk (100/100), flood (NFIP) exposure (99/100). The pressure is most legible in structural risk (76/100), construction/permit lag (65/100), institutional ownership (50/100). By contrast, mortgage stress (21/100) register low. Structural exposure scores 76 and live distress 6 on the 0–100 scale.

The neutral-phase market in 92104 posted values that rose 2.0% over the year, and 10% higher over three years, at 11/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

There are about 25,064 housing units across 92104. Home values center near $914,700, an affordability ratio of 9.3× — stretched. DLRadar's demographic-stress index for the area reads 48/100. The vacancy rate is 5.8%. Population is roughly 46,912 with a median age of 35. Households earn a median $92,862 — above the roughly $78,000 national figure. Educational attainment sits at 56% bachelor's-or-above. Around 38% of renters are cost-burdened. 29% of housing is owner-occupied. Roughly 9.9% live below the poverty line.

Overall, 92104 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 92104 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 92104 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 34/100 composite is a like-for-like number rather than an isolated estimate. 92104 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

92104's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 92104 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.