ZIP 95064 Property Distress & Foreclosure Data

DLRadar grades ZIP 95064 (Santa Cruz County, California) at a low 25/100 for overall property distress. Structural risk reads 55/100 against active distress of 5/100. Property-level stress concentrates in structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). By contrast, mortgage stress (17/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (76/100).

The market reads contraction — home values fell 1.0% year on year, 2.7% off the recent peak, at 26/100 phase confidence. A cooling market tends to open discount-to-value windows.

The typical home is worth about $467,000 (3.6× income, relatively affordable). There are about 536 housing units across 95064. About 9,883 people live here, median age 20. Vacancy runs 9.7%. Around 70% of adults hold a bachelor's degree or higher. Rent burden reaches 68% of tenant households. 35% of housing is owner-occupied. The poverty rate is 17.8% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 35/100. At $119,787, median income runs above typical U.S. levels.

Net-net, 95064 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.