ZIP 94109 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 94109 in San Francisco County, California comes in at 22, a low composite-distress reading. Leading the profile are structural risk (50/100), construction/permit lag (22/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (8/100). On the structural side it scores 50/100, with 3/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (100/100), flood (NFIP) exposure (72/100)).

The peak-phase market in 94109 posted values that held roughly flat over the year (phase confidence 12/100). Topping markets hide individual distress behind strong averages.

At $112,201, median income runs above typical U.S. levels. The typical home is worth about $1,300,300 (12.4× income, severely stretched). 13.1% of residents fall below the poverty threshold. About 65% have a four-year degree. Rent burden reaches 31% of tenant households. DLRadar's demographic-stress index for the area reads 51/100. Population is roughly 54,397 with a median age of 39. There are about 39,490 housing units across 94109. 18% of housing is owner-occupied. Vacancy runs 18.3%, above the national norm and a classic distress-and-opportunity signal.

Taken together, 94109 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. 94109 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 94109 read uses the identical public-record model applied coast to coast, which means its 22/100 score means exactly what it means anywhere else, and 94109 stays directly comparable to neighboring ZIPs and the rest of San Francisco County, California. The score is rebuilt from public data as it updates, so 94109 reflects the current record instead of a stale or modeled snapshot.

The 22/100 for 94109 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Treat 94109 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.