ZIP 92821 Foreclosure, Tax-Lien & Distress Report

ZIP code 92821 in Orange County, California carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic distress index. On the structural side it scores 62/100, with 2/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (86/100). Its standout signals are construction/permit lag (63/100), structural risk (62/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low.

The market reads peak — home values held roughly flat year on year, and 15% higher over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 58% of homes, renters 42%. The ZIP holds roughly 15,134 housing units. The typical home is worth about $903,200 (7.3× income, severely stretched). Rent burden reaches 39% of tenant households. The vacancy rate is 2.9%. Roughly 6.2% live below the poverty line, a low share typical of higher-equity areas. Population is roughly 42,196 with a median age of 40. Around 49% of adults hold a bachelor's degree or higher. On demographic stress specifically, 92821 scores 40/100. At $116,660, median income runs above typical U.S. levels.

Overall, 92821 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 92821 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 92821, the field stays empty rather than modeled, and fills in as new documents post.

The 27/100 figure for 92821 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Practically, 92821 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.