ZIP 95403 Foreclosure, Tax-Lien & Distress Report
Sonoma County, California · High Value market
In Sonoma County, California, ZIP 95403 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. The sharpest non-environmental signals are structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low. Latent structural risk is 47/100 while live distress already moving reads 3/100. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (88/100).
The peak-phase market in 95403 posted values that rose 0.9% over the year, and 5% higher over three years (phase confidence 13/100). Topping markets hide individual distress behind strong averages.
On demographic stress specifically, 95403 scores 42/100. The vacancy rate is 5.3%. Median household income is $94,480, above the U.S. median near $78,000. Educational attainment sits at 27% bachelor's-or-above. Rent burden reaches 42% of tenant households. There are about 17,832 housing units across 95403. Roughly 10.2% live below the poverty line. About 45,570 people live here, median age 39. The typical home is worth about $693,000 (6.9× income). Owners hold 55% of homes, renters 45%.
On balance 95403 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 95403 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 95403 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 95403, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
95403's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Treat 95403 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
Distress signal breakdown — ZIP 95403
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 95403 by the numbers
The live 95403 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Neighbouring ZIPs in Sonoma County
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