ZIP 95066 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 95066 in Santa Cruz County, California comes in at 24, a low composite-distress reading. On the structural side it scores 53/100, with 5/100 of stress already active. The sharpest non-environmental signals are structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). institutional ownership (39/100) and mortgage stress (17/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (76/100).

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 public 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.