ZIP 95017 Property Distress & Foreclosure Data

ZIP code 95017 in Santa Cruz County, California carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (76/100)). What sets it apart are the readings on structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). On the quiet end sit mortgage stress (17/100). Structural risk reads 55/100 against active distress of 5/100.

The contraction-phase market in 95017 posted values that fell 1.0% over the year, 2.7% off the recent peak, at 26/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Vacancy runs 11.2%. Median household income is $100,750, above the U.S. median near $78,000. Home values center near $953,100, an affordability ratio of 9.9× — stretched. Educational attainment sits at 41% bachelor's-or-above. There are about 227 housing units across 95017. Rent burden reaches 25% of tenant households. Owners hold 45% of homes, renters 55%. DLRadar's demographic-stress index for the area reads 48/100. Population is roughly 738 with a median age of 38. 6.7% of residents fall below the poverty threshold.

On the whole, 95017 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.