ZIP 95062 Property Distress & Foreclosure Data

ZIP code 95062 in Santa Cruz County, California carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 55 and live distress 5 on the 0–100 scale. What sets it apart are the readings on 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)).

The contraction-phase market in 95062 posted values that fell 1.0% over the year, 2.7% off the recent peak, and 15% higher over three years, at 26/100 phase confidence. Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Population is roughly 36,047 with a median age of 43. Owners hold 54% of homes, renters 46%. Home values center near $1,076,500, an affordability ratio of 9.8× — stretched. DLRadar's demographic-stress index for the area reads 49/100. There are about 16,979 housing units across 95062. 13.3% of residents fall below the poverty threshold. Vacancy runs 9.3%. Median household income is $108,261, above the U.S. median near $78,000. Rent burden reaches 41% of tenant households. Educational attainment sits at 51% bachelor's-or-above.

On the whole, 95062 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.