ZIP 94503 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 94503 in Napa County, California comes in at 26, a low composite-distress reading. The most distinctive pressure shows up in construction/permit lag (73/100), structural risk (60/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low. Structural exposure scores 60 and live distress 2 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (96/100), flood (NFIP) exposure (66/100).

Prices here sit in a contraction phase: values fell 1.6% over the trailing year, 2.1% off the recent peak, and 1% lower over three years, at 35/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The poverty rate is 7.6%. The ZIP holds roughly 6,206 housing units. At $123,657, median income runs above typical U.S. levels. The tenure split is 78% owner-occupied to 22% rented. Around 49% of renters are cost-burdened. The demographic-stress sub-score lands at 36/100. About 33% have a four-year degree. A median home runs $697,400 here, or 5.4 times local income. 21,852 residents call 94503 home, typically aged 36. The vacancy rate is 2.6%.

On the whole, 94503 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 94503 at the moment; the composite and its components are still built from verifiable public records.

Whether 94503 runs hot or quiet, its 26/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 94503 can be compared directly against any other ZIP in Napa County, California or nationwide. Nothing here is interpolated — where a source is thin for 94503, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

94503's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 94503 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.