ZIP 95005 Foreclosure, Tax-Lien & Distress Report
Santa Cruz County, California · High Value market
On DLRadar's 0-100 distress scale, ZIP 95005 in Santa Cruz County, California comes in at 24, a low composite-distress reading. Property-level stress concentrates in structural risk (52/100), institutional ownership (38/100), mortgage stress (17/100). institutional ownership (38/100) and mortgage stress (17/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (74/100). Structural risk reads 52/100 against active distress of 5/100.
The peak-phase market in 95005 posted values that rose 1.4% over the year, and 4% higher over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
5.0% of residents fall below the poverty threshold. The tenure split is 71% owner-occupied to 29% rented. Median household income is $107,857, above the U.S. median near $78,000. The typical home is worth about $967,300 (8.9× income, severely stretched). Educational attainment sits at 46% bachelor's-or-above. The ZIP holds roughly 3,046 housing units. Around 41% of renters are cost-burdened. The vacancy rate is 4.1%. On demographic stress specifically, 95005 scores 43/100. About 7,150 people live here, median age 46.
Net-net, 95005 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
Big metro or rural, 95005 runs through one identical scoring model, so its 24/100 sits on the same scale as every other ZIP in Santa Cruz County, California and the nation. Sparse data for 95005 shows as blanks, never estimates, and the score updates on every fresh public filing.
95005's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 95005 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
What is driving ZIP 95005’s distress
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 95005 by the numbers
A live read on 95005: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
Adjacent Santa Cruz County ZIP reports
Nearest ZIP codes to 95005
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Related reports across Santa Cruz County, California
More ZIP, county and state distress intelligence connected to Santa Cruz County, California.
Unlock parcel-level detail for ZIP 95005
Pull every distressed parcel in 95005 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Built from public records, scored the same way everywhere · methodology