ZIP 94515 Foreclosure, Tax-Lien & Distress Report

ZIP code 94515 in Sonoma County, California carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. Latent structural risk is 44/100 while live distress already moving reads 2/100. The sharpest non-environmental signals are structural risk (44/100), institutional ownership (17/100), mortgage stress (8/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (77/100).

The contraction-phase market in 94515 posted values that fell 0.6% over the year, 1.0% off the recent peak, and 14% higher over three years, at 23/100 phase confidence. A cooling market tends to open discount-to-value windows.

The ZIP holds roughly 3,124 housing units. Around 29% of renters are cost-burdened. Home values center near $824,900, an affordability ratio of 8.6× — stretched. The tenure split is 63% owner-occupied to 37% rented. The poverty rate is 8.6%. Vacancy runs 16.9%, above the national norm and a classic distress-and-opportunity signal. Households earn a median $97,202 — above the roughly $78,000 national figure. Around 36% of adults hold a bachelor's degree or higher. 6,921 residents call 94515 home, typically aged 49. On demographic stress specifically, 94515 scores 44/100.

Net-net, 94515 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 94515 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 94515 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 94515 can be compared directly against any other ZIP in Sonoma County, California or nationwide. Where the public record is thin for 94515, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 for 94515 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 94515 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.