ZIP 95004 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95004 (Monterey County, California) at a low 21/100 for overall property distress. The split runs 45/100 structural to 3/100 active on the ground. What sets it apart are the readings on structural risk (45/100), institutional ownership (24/100), construction/permit lag (12/100). construction/permit lag (12/100) and mortgage stress (11/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (94/100).

The contraction-phase market in 95004 posted values that held roughly flat over the year, 1.9% off the recent peak, and 0% lower over three years (phase confidence 12/100). Falling values surface more motivated sellers and below-market exits.

Owners hold 75% of homes, renters 25%. The demographic-stress sub-score lands at 31/100. Population is roughly 3,917 with a median age of 41. Vacancy runs 5.8%. There are about 1,677 housing units across 95004. 3.7% of residents fall below the poverty threshold. Around 40% of adults hold a bachelor's degree or higher. At $165,781, median income runs above typical U.S. levels. Home values center near $877,300, an affordability ratio of 5.5×. Around 22% of renters are cost-burdened.

Net-net, 95004 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 95004 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 95004 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 95004, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

95004'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 95004 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.