ZIP 95018 Property Distress & Foreclosure Data

In Santa Cruz County, California, ZIP 95018 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). mortgage stress (17/100) stay muted. The latent-versus-live split is 55/100 structural and 5/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (76/100).

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 2.7% off the recent peak, and 1% lower over three years (phase confidence 26/100). Falling values surface more motivated sellers and below-market exits.

Households earn a median $119,130 — above the roughly $78,000 national figure. On demographic stress specifically, 95018 scores 33/100. The vacancy rate is 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. The tenure split is 82% owner-occupied to 18% rented. Around 32% of renters are cost-burdened. 6,377 residents call 95018 home, typically aged 46. About 57% have a four-year degree. A median home runs $838,600 here, or 6.5 times local income.

Taken together, 95018 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.