ZIP 95039 Foreclosure, Tax-Lien & Distress Report
Monterey County, California · High Vacancy market
ZIP code 95039 in Monterey County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 55/100 structural and 5/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (84/100). Property-level stress concentrates in structural risk (55/100), institutional ownership (41/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) and construction/permit lag (3/100) register low.
The peak-phase market in 95039 posted values that rose 0.5% over the year, 2.2% off the recent peak (phase confidence 11/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
The tenure split is 61% owner-occupied to 39% rented. Vacancy runs 22.9%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 1,279 with a median age of 44. About 22% have a four-year degree. A median home runs $453,400 here, or 7.6 times local income. Rent burden reaches 30% of tenant households. Households earn a median $58,214 — below the roughly $78,000 national figure. Roughly 19.9% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The ZIP holds roughly 395 housing units. The demographic-stress sub-score lands at 47/100.
Taken together, 95039 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 95039 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
Because one deterministic model scores every ZIP, 95039's 26/100 can be lined up against any neighbor in Monterey County, California or any ZIP coast to coast. 95039 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
The 26/100 figure for 95039 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 95039 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
Distress signal breakdown — ZIP 95039
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties are broken out by owner, address, APN, per-property score and exit read inside DLRadar.
Snapshot: 95039 by the numbers
Current distress, phase, housing and lender-pressure figures for 95039, drawn from the same report attached to each property.
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See every distressed parcel in 95039
The full 95039 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Built from public records, scored the same way everywhere · methodology