ZIP 95010 Foreclosure, Tax-Lien & Distress Report

In Santa Cruz County, California, ZIP 95010 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Leading the profile are structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (17/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (76/100)). The split runs 53/100 structural to 5/100 active on the ground.

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.

Rent burden reaches 32% of tenant households. The tenure split is 46% owner-occupied to 54% rented. At $96,701, median income runs above typical U.S. levels. Educational attainment sits at 47% bachelor's-or-above. 13.1% of residents fall below the poverty threshold. 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. Population is roughly 8,697 with a median age of 49.

Net-net, 95010 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Parcel-level detail for 95010 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 95010 read uses the identical public-record model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 95010 stays directly comparable to neighboring ZIPs and the rest of Santa Cruz County, California. Sparse data for 95010 shows as blanks, never estimates, and the score updates on every fresh public filing.

95010's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 95010 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.