ZIP 95019 Property Distress & Foreclosure Data

DLRadar grades ZIP 95019 (Santa Cruz County, California) at a low 25/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (76/100). Property-level stress concentrates in structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). By contrast, mortgage stress (17/100) register low. Structural exposure scores 55 and live distress 5 on the 0–100 scale.

The market reads contraction — home values fell 1.0% year on year, 2.7% off the recent peak, and 5% lower over three years, at 26/100 phase confidence. A cooling market tends to open discount-to-value windows.

Vacancy runs 1.4%. The poverty rate is 7.0% — low. 32% of housing is owner-occupied. The demographic-stress sub-score lands at 53/100. About 6,235 people live here, median age 31. At $68,314, median income runs below typical U.S. levels. The typical home is worth about $735,200 (9.9× income, severely stretched). There are about 1,855 housing units across 95019. Rent burden reaches 32% of tenant households. Around 15% of adults hold a bachelor's degree or higher.

Net-net, 95019 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.