ZIP 95006 Foreclosure, Tax-Lien & Distress Report

In Santa Cruz County, California, ZIP 95006 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 53/100, against 5/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (76/100). Its standout signals are structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). By contrast, institutional ownership (39/100) and mortgage stress (17/100) register low.

Prices here sit in a peak phase: values rose 1.4% over the trailing year, and 5% lower over three years, at 12/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

About 8,433 people live here, median age 47. Median household income is $128,483, above the U.S. median near $78,000. The tenure split is 77% owner-occupied to 23% rented. Around 39% of adults hold a bachelor's degree or higher. Home values center near $843,200, an affordability ratio of 6.1×. DLRadar's demographic-stress index for the area reads 38/100. Vacancy runs 13.8%, above the national norm and a classic distress-and-opportunity signal. There are about 3,607 housing units across 95006. 3.9% of residents fall below the poverty threshold. Around 55% of renters are cost-burdened.

On the whole, 95006 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 95006 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 95006's 24/100 can be lined up against any neighbor in Santa Cruz County, California or any ZIP coast to coast. 95006 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 24/100 figure for 95006 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 95006 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.