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 distress index. The latent-versus-live split is 56/100 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 (56/100), institutional ownership (40/100), mortgage stress (18/100). By contrast, mortgage stress (18/100) and construction/permit lag (8/100) 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.
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.
Other Monterey County ZIP codes
Nearest ZIP codes to 95039
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 95039
More ZIP, county and state distress intelligence connected to Monterey County, California.
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 to owner and lender records. Refreshed continuously.
Built from public records, scored the same way everywhere · methodology