ZIP 94574 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 94574 (Napa County, California) returns a low composite of 24/100. Climate and flood risk are elevated too — climate & FEMA risk (95/100), flood (NFIP) exposure (65/100). On the structural side it scores 53/100, with 2/100 of stress already active. Its heaviest discrete signals: structural risk (53/100), construction/permit lag (45/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The market reads contraction — home values fell 2.0% year on year, 2.1% off the recent peak, and 6% higher over three years (phase confidence 44/100). Falling values surface more motivated sellers and below-market exits.

Around 56% of adults hold a bachelor's degree or higher. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 4,135 housing units. Rent burden reaches 49% of tenant households. A median home runs $1,637,800 here, or 13.4 times local income. The vacancy rate is 19.9% — elevated. DLRadar's demographic-stress index for the area reads 49/100. 66% of housing is owner-occupied. Households earn a median $139,779 — above the roughly $78,000 national figure. Population is roughly 7,646 with a median age of 48.

Net-net, 94574 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 94574 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 94574's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 94574 reflects the current record instead of a stale or modeled snapshot.

Behind 94574's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 94574 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.