ZIP 95073 Property Distress & Foreclosure Data

DLRadar grades ZIP 95073 (Santa Cruz County, California) at a low 25/100 for overall property distress. Structural exposure scores 55 and live distress 5 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (76/100). Property-level stress concentrates in structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). By contrast, mortgage stress (17/100) register low.

The market reads contraction — home values fell 1.0% year on year, 2.7% off the recent peak, and 16% higher over three years, at 26/100 phase confidence. A cooling market tends to open discount-to-value windows.

About 11,487 people live here, median age 44. The demographic-stress sub-score lands at 44/100. There are about 4,879 housing units across 95073. 73% of housing is owner-occupied. Vacancy runs 5.8%. The poverty rate is 10.4%. Around 45% of adults hold a bachelor's degree or higher. At $113,929, median income runs above typical U.S. levels. The typical home is worth about $1,062,800 (8.9× income, severely stretched). Rent burden reaches 42% of tenant households.

Net-net, 95073 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.