ZIP 95060 Foreclosure, Tax-Lien & Distress Report

ZIP 95060's composite property-distress score is 24/100 - DLRadar classes that as low for Santa Cruz County, California. Structural exposure scores 53 and live distress 5 on the 0–100 scale. Its heaviest discrete signals: structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). By contrast, institutional ownership (39/100) and mortgage stress (17/100) register low. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (76/100).

Prices here sit in a peak phase: values rose 1.4% over the trailing year, and 0% higher over three years (phase confidence 12/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $1,207,200 (11.2× income, severely stretched). The vacancy rate is 9.4%. There are about 20,417 housing units across 95060. The tenure split is 52% owner-occupied to 48% rented. The demographic-stress sub-score lands at 52/100. At $106,040, median income runs above typical U.S. levels. Rent burden reaches 50% of tenant households. Around 55% of adults hold a bachelor's degree or higher. Population is roughly 46,024 with a median age of 37. 17.1% of residents fall below the poverty threshold.

Net-net, 95060 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 95060 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 95060 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Santa Cruz County, California and the nation. 95060 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

Each component behind 95060 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. The point of the 95060 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.