ZIP 95003 Property Distress & Foreclosure Data

ZIP code 95003 in Santa Cruz County, California carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). mortgage stress (17/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (76/100). The latent-versus-live split is 55/100 structural and 5/100 already moving.

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 2.7% off the recent peak, and 3% higher over three years (phase confidence 26/100). Falling values surface more motivated sellers and below-market exits.

Households earn a median $140,990 — above the roughly $78,000 national figure. A median home runs $1,198,700 here, or 8.2 times local income. Roughly 3.7% live below the poverty line, a low share typical of higher-equity areas. About 55% have a four-year degree. Around 35% of renters are cost-burdened. On demographic stress specifically, 95003 scores 40/100. 24,708 residents call 95003 home, typically aged 48. The ZIP holds roughly 11,843 housing units. The tenure split is 72% owner-occupied to 28% rented. The vacancy rate is 16.1% — elevated.

Taken together, 95003 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.