ZIP 95017 Foreclosure, Tax-Lien & Distress Report
Santa Cruz County, California · High Value market
ZIP 95017's composite property-distress score is 24/100 - DLRadar classes that as low for Santa Cruz County, California. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (74/100). Property-level stress concentrates in structural risk (52/100), institutional ownership (38/100), mortgage stress (17/100). On the quiet end sit institutional ownership (38/100) and mortgage stress (17/100). The split runs 52/100 structural to 5/100 active on the ground.
The peak-phase market in 95017 posted values that rose 1.4% over the year, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.
The vacancy rate is 11.2%. At $100,750, median income runs above typical U.S. levels. A median home runs $953,100 here, or 9.9 times local income. About 41% have a four-year degree. There are about 227 housing units across 95017. Rent burden reaches 25% of tenant households. The tenure split is 45% owner-occupied to 55% rented. On demographic stress specifically, 95017 scores 48/100. About 738 people live here, median age 38. Roughly 6.7% live below the poverty line, a low share typical of higher-equity areas.
On balance 95017 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 95017 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 95017 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 95017 shows as blanks, never estimates, and the score updates on every fresh public filing.
Behind 95017's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 95017 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Signal-by-signal read on 95017
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 95017 Stress Report snapshot
Real-time distress, cycle phase, housing and bank-stress readings for 95017, the same set carried on every parcel.
Nearby ZIPs in Santa Cruz County
Nearest ZIP codes to 95017
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Explore related distress reports
Other reports tied to Santa Cruz County, California — ZIP, county and statewide.
The complete 95017 distress and acquisition report
Open 95017 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and owner and lender records in a single click. Updated continuously across the country.
Each signal above is traceable to an open dataset · methodology