ZIP 95404 Foreclosure, Tax-Lien & Distress Report
Sonoma County, California · High Value market
ZIP code 95404 in Sonoma County, California carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic distress index. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (88/100). Its standout signals are structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). institutional ownership (20/100) and mortgage stress (9/100) stay muted. The split runs 47/100 structural to 3/100 active on the ground.
The market reads peak — home values rose 0.9% year on year, and 7% higher over three years (phase confidence 13/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Vacancy runs 7.2%. A median home runs $903,900 here, or 8.4 times local income. Roughly 6.5% live below the poverty line, a low share typical of higher-equity areas. At $102,802, median income runs above typical U.S. levels. 59% of housing is owner-occupied. Around 45% of adults hold a bachelor's degree or higher. 37,317 residents call 95404 home, typically aged 42. The ZIP holds roughly 16,861 housing units. Around 44% of renters are cost-burdened. The demographic-stress sub-score lands at 44/100.
Overall, 95404 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Parcel-level detail for 95404 is not published yet -- the ZIP-level readings above remain fully sourced.
The 95404 read uses the identical scoring model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 95404 stays directly comparable to neighboring ZIPs and the rest of Sonoma County, California. Every figure is auditable to a public dataset and refreshed as records update; 95404 shows blanks, not estimates, wherever the record is sparse.
Behind 95404's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 95404 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 95404 distress signals, scored
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
ZIP 95404 Stress Report snapshot
The live 95404 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other Sonoma County ZIP codes
Nearest ZIP codes to 95404
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring California distress
Additional distress intelligence spanning Sonoma County, California by ZIP, county and state.
Get the full acquisition report for 95404
Pull every distressed parcel in 95404 — owner, address, APN, distress score, lender exposure and exit read — with owner and lender records one click away. Nationwide coverage, continuously updated.
Each signal above is traceable to an open dataset · methodology