ZIP 95041 Foreclosure, Tax-Lien & Distress Report
Santa Cruz County, California · High Value market
In Santa Cruz County, California, ZIP 95041 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (17/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (76/100)). On the structural side it scores 53/100, with 5/100 of stress already active.
The market reads peak — home values rose 1.4% year on year, at 12/100 phase confidence. Topping markets hide individual distress behind strong averages.
There are about 384 housing units across 95041. Around 0% of renters are cost-burdened. Median household income is $161,034, above the U.S. median near $78,000. Home values center near $929,900, an affordability ratio of 6.6×. 0.0% of residents fall below the poverty threshold. Around 71% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. Vacancy runs 11.8%, above the national norm and a classic distress-and-opportunity signal. Owners hold 56% of homes, renters 44%. About 846 people live here, median age 32.
On balance 95041 is mixed, rewarding parcel-by-parcel screening over broad assumptions. 95041 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.
No ZIP is too small to score: 95041 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 95041 shows as blanks, never estimates, and the score updates on every fresh public filing.
Behind 95041's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For a buyer, 95041 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.
Distress signal breakdown — ZIP 95041
Delinquency on tax, investor concentration, insurance pressure, NFIP flood, lagging construction, price dislocation and sale velocity — and the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
Snapshot: 95041 by the numbers
A live read on 95041: distress, market phase, housing and bank pressure — identical to the report behind every parcel.
More ZIPs across Santa Cruz County
More distress data near 95041
Additional distress intelligence spanning Santa Cruz County, California by ZIP, county and state.
See every distressed parcel in 95041
See who owns each distressed property in 95041, where it is, its APN and score, the bank behind it and how fast it should exit — then fund and close it in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology