ZIP 95076 Property Distress & Foreclosure Data

ZIP code 95076 in Santa Cruz County, California carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (55/100), institutional ownership (44/100), mortgage stress (17/100). By contrast, mortgage stress (17/100) register low. The latent-versus-live split is 55/100 structural and 5/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (78/100).

The market reads contraction — home values held roughly flat year on year, 2.0% off the recent peak, and 7% higher over three years (phase confidence 25/100). A cooling market tends to open discount-to-value windows.

The typical home is worth about $808,900 (8.8× income, severely stretched). The vacancy rate is 6.4%. The ZIP holds roughly 26,567 housing units. Around 19% of adults hold a bachelor's degree or higher. Around 48% of renters are cost-burdened. The demographic-stress sub-score lands at 51/100. The poverty rate is 13.2%. About 82,409 people live here, median age 37. At $86,685, median income runs near typical U.S. levels. 56% of housing is owner-occupied.

Net-net, 95076 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.