ZIP 93108 Foreclosure, Tax-Lien & Distress Report
Santa Barbara County, California · High Vacancy market
ZIP 93108's composite property-distress score is 26/100 - DLRadar classes that as low for Santa Barbara County, California. The sharpest non-environmental signals are structural risk (56/100), institutional ownership (42/100), mortgage stress (18/100). mortgage stress (18/100) stay muted. The latent-versus-live split is 56/100 structural and 5/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (92/100).
Prices here sit in a peak phase: values rose 2.1% over the trailing year, and 40% lower over three years, at 23/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
There are about 5,497 housing units across 93108. A median home runs $2,000,000 here, or 8.9 times local income. The poverty rate is 6.8% — low. DLRadar's demographic-stress index for the area reads 42/100. Around 74% of adults hold a bachelor's degree or higher. Population is roughly 11,664 with a median age of 55. Rent burden reaches 44% of tenant households. Owners hold 75% of homes, renters 25%. Households earn a median $223,694 — above the roughly $78,000 national figure. Vacancy runs 16.7%, above the national norm and a classic distress-and-opportunity signal.
On the whole, 93108 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 93108 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
The number is not local guesswork: 93108's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 93108 shows as blanks, never estimates, and the score updates on every fresh public filing.
Each component behind 93108 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. Practically, 93108 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.
ZIP 93108 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
Snapshot: 93108 by the numbers
The live 93108 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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More distress data near 93108
Keep going: ZIP, county and state distress coverage for Santa Barbara County, California.
Unlock the full ZIP 93108 acquisition report
The full 93108 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology