ZIP 95041 Property Distress & Foreclosure Data

DLRadar grades ZIP 95041 (Santa Cruz County, California) at a low 25/100 for overall property distress. Property-level stress concentrates in structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). On the quiet end sit 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 55/100, with 5/100 of stress already active.

The contraction-phase market in 95041 posted values that fell 1.0% over the year, 2.7% off the recent peak (phase confidence 26/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

The ZIP holds roughly 384 housing units. 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. Educational attainment sits at 71% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 29/100. The vacancy rate is 11.8% — elevated. Owners hold 56% of homes, renters 44%. Population is roughly 846 with a median age of 32.

On the whole, 95041 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.