ZIP 95007 Foreclosure, Tax-Lien & Distress Report

ZIP 95007's composite property-distress score is 24/100 - DLRadar classes that as low for Santa Cruz County, California. Its heaviest discrete signals: structural risk (53/100), institutional ownership (39/100). On the quiet end sit institutional ownership (39/100). It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (76/100). Structural exposure scores 53 and live distress 0 on the 0–100 scale.

Prices here sit in a peak phase: values rose 1.4% over the trailing year, and 1% lower over three years (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

3.3% of residents fall below the poverty threshold. About 27% have a four-year degree. 335 residents call 95007 home, typically aged 50. At $164,487, median income runs above typical U.S. levels. There are about 279 housing units across 95007. 80% of housing is owner-occupied. Rent burden reaches 50% of tenant households. The vacancy rate is 17.1% — elevated. On demographic stress specifically, 95007 scores 34/100.

Net-net, 95007 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 95007 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 95007's 24/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Nothing here is interpolated — where a source is thin for 95007, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 24/100 figure for 95007 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 an operator, 95007 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.