ZIP 94112 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 94112 (San Francisco County, California) lands at 22/100 — low on DLRadar's public-record scoring. Its standout signals are structural risk (50/100), construction/permit lag (22/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. The latent-versus-live split is 50/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (72/100).

The market reads peak — home values held roughly flat year on year, and 4% higher over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.

At $130,906, median income runs above typical U.S. levels. Vacancy runs 5.1%. DLRadar's demographic-stress index for the area reads 46/100. 80,133 residents call 94112 home, typically aged 42. Rent burden reaches 41% of tenant households. About 36% have a four-year degree. There are about 24,559 housing units across 94112. The tenure split is 67% owner-occupied to 33% rented. The poverty rate is 9.0%. The typical home is worth about $1,174,100 (8.9× income, severely stretched).

Overall, 94112 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. There is no property file for 94112 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 94112 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 94112, the field stays empty rather than modeled, and fills in as new documents post.

The 22/100 figure for 94112 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. In workflow terms, 94112 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.