ZIP 95076 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 95076 (Santa Cruz County, California) lands at 25/100 — low on DLRadar's public-record scoring. Leading the profile are structural risk (53/100), institutional ownership (39/100), mortgage stress (17/100). On the quiet end sit institutional ownership (39/100) and mortgage stress (17/100). Structurally it carries 53/100, against 5/100 of stress already in motion. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (78/100).

The peak-phase market in 95076 posted values that rose 1.1% over the year, and 7% higher over three years, at 11/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $808,900 (8.8× income, severely stretched). The vacancy rate is 6.4%. There are about 26,567 housing units across 95076. About 19% have a four-year degree. Rent burden reaches 48% of tenant households. The demographic-stress sub-score lands at 51/100. The poverty rate is 13.2%. 82,409 residents call 95076 home, typically aged 37. Median household income is $86,685, near the U.S. median near $78,000. 56% of housing is owner-occupied.

Net-net, 95076 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 95076 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 95076 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 95076, the field stays empty rather than modeled, and fills in as new documents post.

The 25/100 figure for 95076 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 95076 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.