ZIP 94112 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 94112 (San Francisco County, California) lands at 21/100 — low on DLRadar's distress scoring. Its standout signals are structural risk (46/100), institutional ownership (19/100), mortgage stress (8/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. The latent-versus-live split is 46/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (100/100), flood (NFIP) exposure (83/100).

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 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 21/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 94112, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 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.