ZIP 95018 Foreclosure, Tax-Lien & Distress Report
Santa Cruz County, California · High Value market
On DLRadar's 0-100 public-record scale, ZIP 95018 in Santa Cruz County, California comes in at 24, a low composite-distress reading. Its heaviest discrete signals: structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). institutional ownership (39/100) and mortgage stress (17/100) stay muted. The latent-versus-live split is 53/100 structural and 5/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (76/100).
The market reads peak — home values rose 1.4% year on year, and 1% lower over three years, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.
Median household income is $119,130, above the U.S. median near $78,000. On demographic stress specifically, 95018 scores 33/100. Vacancy runs 8.1%. The ZIP holds roughly 3,037 housing units. Roughly 5.8% live below the poverty line, a low share typical of higher-equity areas. 82% of housing is owner-occupied. Rent burden reaches 32% of tenant households. About 6,377 people live here, median age 46. Around 57% of adults hold a bachelor's degree or higher. Home values center near $838,600, an affordability ratio of 6.5×.
Overall, 95018 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
The 95018 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 95018 stays directly comparable to neighboring ZIPs and the rest of Santa Cruz County, California. Every figure is auditable to a public dataset and refreshed on ingest; 95018 shows blanks, not estimates, wherever the record is sparse.
Behind 95018'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 95018 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
ZIP 95018 distress signals, scored
Unpaid tax, corporate ownership share, insurance cost pressure, NFIP flood risk, construction slowdown, price gaps and auction turnover — plus the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
ZIP 95018 Stress Report snapshot
The live 95018 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Santa Cruz County
More distress data near 95018
Keep going: ZIP, county and state distress coverage for Santa Cruz County, California.
Open the complete 95018 acquisition file
Pull every distressed parcel in 95018 — owner, address, APN, distress score, lender exposure and exit read — with funding and closing one click away. Nationwide coverage, continuously updated.
No modelling: every input is a public record · methodology