ZIP 95064 Foreclosure, Tax-Lien & Distress Report

ZIP code 95064 in Santa Cruz County, California carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 53/100 against active distress of 5/100. Leading the profile are structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). institutional ownership (39/100) and mortgage stress (17/100) stay muted. Environmental exposure also runs high (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 (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The typical home is worth about $467,000 (3.6× income, relatively affordable). There are about 536 housing units across 95064. Population is roughly 9,883 with a median age of 20. The vacancy rate is 9.7%. About 70% have a four-year degree. Around 68% of renters are cost-burdened. 35% of housing is owner-occupied. 17.8% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 35/100. At $119,787, median income runs above typical U.S. levels.

Overall, 95064 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. 95064 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 95064 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 95064 can be compared directly against any other ZIP in Santa Cruz County, California or nationwide. The score is rebuilt from public data as it updates, so 95064 reflects the current record instead of a stale or modeled snapshot.

The 24/100 figure for 95064 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 95064 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.