ZIP 95404 Property Distress & Foreclosure Data

ZIP code 95404 in Sonoma County, California carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. Environmental exposure also runs high (climate & FEMA risk (99/100), flood (NFIP) exposure (88/100)). What sets it apart are the readings on structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). On the quiet end sit mortgage stress (9/100) and construction/permit lag (1/100). Structural exposure scores 47 and live distress 3 on the 0–100 scale.

The peak-phase market in 95404 posted values that held roughly flat over the year, and 7% higher over three years, at 20/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 7.2%. Home values center near $903,900, an affordability ratio of 8.4× — stretched. 6.5% of residents fall below the poverty threshold. Median household income is $102,802, above the U.S. median near $78,000. Owners hold 59% of homes, renters 41%. Educational attainment sits at 45% bachelor's-or-above. Population is roughly 37,317 with a median age of 42. There are about 16,861 housing units across 95404. Rent burden reaches 44% of tenant households. DLRadar's demographic-stress index for the area reads 44/100.

On balance 95404 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.