ZIP 95010 Property Distress & Foreclosure Data

Composite property distress in 95010 (Santa Cruz County, California) lands at 25/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). By contrast, mortgage stress (17/100) register low. 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 5/100 already moving.

The market reads contraction — home values fell 1.0% year on year, 2.7% off the recent peak, and 5% lower over three years (phase confidence 26/100). A cooling market tends to open discount-to-value windows.

Around 32% of renters are cost-burdened. 46% of housing is owner-occupied. At $96,701, median income runs above typical U.S. levels. Around 47% of adults hold a bachelor's degree or higher. The poverty rate is 13.1%. The typical home is worth about $828,700 (8.1× income, severely stretched). The vacancy rate is 12.2% — elevated. The ZIP holds roughly 4,838 housing units. The demographic-stress sub-score lands at 44/100. About 8,697 people live here, median age 49.

Net-net, 95010 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.