ZIP 95019 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 95019 (Santa Cruz County, California) at a low 24/100 for overall property distress. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (76/100). The pressure is most legible in structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). By contrast, institutional ownership (39/100) and mortgage stress (17/100) register low. The latent-versus-live split is 53/100 structural and 5/100 already moving.

The peak-phase market in 95019 posted values that rose 1.4% over the year, and 5% lower over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The vacancy rate is 1.4%. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. 32% of housing is owner-occupied. On demographic stress specifically, 95019 scores 53/100. Population is roughly 6,235 with a median age of 31. Median household income is $68,314, below the U.S. median near $78,000. Home values center near $735,200, an affordability ratio of 9.9× — stretched. There are about 1,855 housing units across 95019. Around 32% of renters are cost-burdened. Educational attainment sits at 15% bachelor's-or-above.

Net-net, 95019 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 95019 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Because one deterministic model scores every ZIP, 95019's 24/100 can be lined up against any neighbor in Santa Cruz County, California or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 95019 shows blanks, not estimates, wherever the record is sparse.

95019's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 95019 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.