ZIP 95066 Property Distress & Foreclosure Data

Santa Cruz County, California's ZIP 95066 registers 25/100 composite distress, which DLRadar reads as low. Structural exposure scores 55 and live distress 5 on the 0–100 scale. The most distinctive pressure shows up in structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). mortgage stress (17/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (76/100).

Prices here sit in a contraction phase: values fell 1.0% over the trailing year, 2.7% off the recent peak, and 4% higher over three years, at 26/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

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. Households earn a median $146,941 — above the roughly $78,000 national figure. There are about 6,664 housing units across 95066. On demographic stress specifically, 95066 scores 37/100. A median home runs $1,136,400 here, or 7.6 times local income. Rent burden reaches 32% of tenant households.

Taken together, 95066 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.