ZIP 95033 Foreclosure, Tax-Lien & Distress Report

ZIP 95033's composite property-distress score is 22/100 - DLRadar classes that as low for Santa Cruz County, California. The split runs 48/100 structural to 4/100 active on the ground. The most distinctive pressure shows up in structural risk (48/100), institutional ownership (27/100), mortgage stress (12/100). By contrast, institutional ownership (27/100) and mortgage stress (12/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (71/100).

The market reads peak — home values held roughly flat year on year, and 3% lower over three years (phase confidence 10/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 4,164 housing units across 95033. The poverty rate is 3.4% — low. Owners hold 79% of homes, renters 21%. Around 70% of adults hold a bachelor's degree or higher. A median home runs $1,417,200 here, or 7.0 times local income. On demographic stress specifically, 95033 scores 33/100. About 9,884 people live here, median age 46. Around 34% of renters are cost-burdened. Vacancy runs 10.1%. Households earn a median $183,836 — above the roughly $78,000 national figure.

Overall, 95033 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 95033 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 95033 runs hot or quiet, its 22/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95033 can be compared directly against any other ZIP in Santa Cruz County, California or nationwide. The score is rebuilt from public data as it updates, so 95033 reflects the current record instead of a stale or modeled snapshot.

95033'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. The point of the 95033 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.