ZIP 95066 Foreclosure, Tax-Lien & Distress Report
Santa Cruz County, California · High Value market
On DLRadar's 0-100 distress scale, ZIP 95066 in Santa Cruz County, California comes in at 24, a low composite-distress reading. On the structural side it scores 52/100, with 5/100 of stress already active. The sharpest non-environmental signals are structural risk (52/100), institutional ownership (38/100), mortgage stress (17/100). institutional ownership (38/100) and mortgage stress (17/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (74/100).
The peak-phase market in 95066 posted values that rose 1.4% over the year, and 4% higher over three years (phase confidence 12/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
15,369 residents call 95066 home, typically aged 48. Vacancy runs 8.5%. The tenure split is 76% owner-occupied to 24% rented. About 55% have a four-year degree. Roughly 4.9% live below the poverty line, a low share typical of higher-equity areas. Median household income is $146,941, above the U.S. median near $78,000. There are about 6,664 housing units across 95066. The demographic-stress sub-score lands at 37/100. A median home runs $1,136,400 here, or 7.6 times local income. Around 32% of renters are cost-burdened.
Net-net, 95066 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 95066 at the moment; the composite and its components are still built from verifiable records.
Because one deterministic model scores every ZIP, 95066's 24/100 can be lined up against any neighbor in Santa Cruz County, California or any ZIP coast to coast. 95066 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
Each component behind 95066 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. Practically, 95066 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.
What is driving ZIP 95066’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
Snapshot: 95066 by the numbers
95066 live: composite distress, market phase, housing detail and lender pressure, identical to the per-property report.
Santa Cruz County ZIPs near 95066
Nearest ZIP codes to 95066
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
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Unlock parcel-level detail for ZIP 95066
See who owns each distressed property in 95066, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology