ZIP 95007 Property Distress & Foreclosure Data

Santa Cruz County, California's ZIP 95007 registers 25/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in structural risk (55/100), institutional ownership (44/100). It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (76/100). The latent-versus-live split is 55/100 structural and 0/100 already moving.

The market reads contraction — home values fell 1.0% year on year, 2.7% off the recent peak, and 1% lower over three years (phase confidence 26/100). A cooling market tends to open discount-to-value windows.

The poverty rate is 3.3% — low. Around 27% of adults hold a bachelor's degree or higher. About 335 people live here, median age 50. At $164,487, median income runs above typical U.S. levels. The ZIP holds roughly 279 housing units. 80% of housing is owner-occupied. Around 50% of renters are cost-burdened. The vacancy rate is 17.1% — elevated. The demographic-stress sub-score lands at 34/100.

Net-net, 95007 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.