ZIP 93445 Foreclosure, Tax-Lien & Distress Report

ZIP code 93445 in San Luis Obispo County, California carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Property-level stress concentrates in structural risk (53/100), construction/permit lag (44/100), institutional ownership (27/100). On the quiet end sit institutional ownership (27/100) and mortgage stress (14/100). The split runs 53/100 structural to 4/100 active on the ground. Environmental exposure also runs high (climate & FEMA risk (96/100)).

The market reads neutral — home values rose 3.7% year on year, and 1% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $75,012, median income runs near typical U.S. levels. A median home runs $573,800 here, or 7.2 times local income. Rent burden reaches 43% of tenant households. The vacancy rate is 11.3% — elevated. DLRadar's demographic-stress index for the area reads 45/100. Owners hold 61% of homes, renters 39%. About 18% have a four-year degree. 6,812 residents call 93445 home, typically aged 46. 17.1% of residents fall below the poverty threshold. The ZIP holds roughly 3,226 housing units.

On balance 93445 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 93445 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 93445's 25/100 can be lined up against any neighbor in San Luis Obispo County, California or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 93445 shows blanks, not estimates, wherever the record is sparse.

The 25/100 figure for 93445 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. Treat 93445 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.