ZIP 94404 Foreclosure, Tax-Lien & Distress Report

ZIP code 94404 in San Mateo County, California carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic distress index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (77/100). Structurally it carries 61/100, against 2/100 of stress already in motion. Its standout signals are construction/permit lag (66/100), structural risk (61/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low.

The market reads peak — home values held roughly flat year on year, and 11% lower over three years, at 12/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Around 34% of renters are cost-burdened. There are about 15,350 housing units across 94404. Roughly 4.7% live below the poverty line, a low share typical of higher-equity areas. Around 75% of adults hold a bachelor's degree or higher. Median household income is $182,417, above the U.S. median near $78,000. On demographic stress specifically, 94404 scores 42/100. Vacancy runs 3.8%. The typical home is worth about $1,714,400 (9.2× income, severely stretched). Population is roughly 35,950 with a median age of 40. The tenure split is 51% owner-occupied to 49% rented.

On balance 94404 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 94404 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The 94404 read uses the identical scoring model applied coast to coast, which means its 27/100 score means exactly what it means anywhere else, and 94404 stays directly comparable to neighboring ZIPs and the rest of San Mateo County, California. Where the record is thin for 94404, the field stays empty rather than modeled, and fills in as new documents post.

94404'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, 94404 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.