ZIP 93905 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 93905 (Monterey County, California) at a low 26/100 for overall property distress. The latent-versus-live split is 55/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (84/100). The sharpest non-environmental signals are structural risk (55/100), institutional ownership (41/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) and construction/permit lag (3/100) register low.

The market reads peak — home values rose 0.5% year on year, 2.2% off the recent peak, and 17% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $616,100 (7.5× income, severely stretched). The ZIP holds roughly 14,597 housing units. About 64,596 people live here, median age 29. Owners hold 42% of homes, renters 58%. Households earn a median $75,716 — near the roughly $78,000 national figure. Vacancy runs 3.3%. About 7% have a four-year degree. Rent burden reaches 48% of tenant households. Roughly 19.7% live below the poverty line, elevated and often tied to deferred-maintenance inventory. DLRadar's demographic-stress index for the area reads 52/100.

On balance 93905 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The number is not local guesswork: 93905's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Where the public record is thin for 93905, the field stays empty rather than modeled, and fills in as new documents post.

93905'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. Practically, 93905 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.