ZIP 95012 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95012 (Monterey County, California) lands at 26/100 — low on DLRadar's public-record scoring. Property-level stress concentrates in structural risk (55/100), institutional ownership (41/100), mortgage stress (18/100). On the quiet end sit mortgage stress (18/100) and construction/permit lag (3/100). It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (84/100). On the structural side it scores 55/100, with 5/100 of stress already active.

The peak-phase market in 95012 posted values that rose 0.5% over the year, 2.2% off the recent peak, and 14% higher over three years (phase confidence 11/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $79,903, near the U.S. median near $78,000. About 11,147 people live here, median age 28. There are about 2,735 housing units across 95012. About 8% have a four-year degree. Roughly 12.2% live below the poverty line. Vacancy runs 6.5%. The demographic-stress sub-score lands at 50/100. The typical home is worth about $598,900 (7.9× income, severely stretched). Rent burden reaches 34% of tenant households. Owners hold 46% of homes, renters 54%.

Overall, 95012 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 95012 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 95012's 26/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 95012 reflects the current record instead of a stale or modeled snapshot.

The 26/100 for 95012 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 95012 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.