ZIP 95065 Property Distress & Foreclosure Data

Composite property distress in 95065 (Santa Cruz County, California) lands at 25/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are 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 latent-versus-live split is 55/100 structural and 5/100 already moving.

The contraction-phase market in 95065 posted values that fell 1.0% over the year, 2.7% off the recent peak, and 11% higher over three years (phase confidence 26/100). Softening prices widen the spread between distressed and market value — what acquisition buyers watch for.

Median household income is $142,768, above the U.S. median near $78,000. Home values center near $1,228,500, an affordability ratio of 8.3× — stretched. 8.5% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 42/100. Educational attainment sits at 50% bachelor's-or-above. Owners hold 70% of homes, renters 30%. Around 40% of renters are cost-burdened. Population is roughly 8,031 with a median age of 43. The ZIP holds roughly 3,102 housing units. The vacancy rate is 4.5%.

On the whole, 95065 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.