ZIP 95405 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 95405 (Sonoma County, California) returns a low composite of 21/100. Its heaviest discrete signals: structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). institutional ownership (20/100) and mortgage stress (9/100) stay muted. The latent-versus-live split is 47/100 structural and 3/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (99/100), flood (NFIP) exposure (88/100).

Prices here sit in a peak phase: values rose 0.9% over the trailing year, and 3% higher over three years (phase confidence 13/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The vacancy rate is 2.5%. 22,811 residents call 95405 home, typically aged 45. DLRadar's demographic-stress index for the area reads 35/100. Rent burden reaches 35% of tenant households. Educational attainment sits at 47% bachelor's-or-above. 61% of housing is owner-occupied. At $117,931, median income runs above typical U.S. levels. A median home runs $788,000 here, or 6.4 times local income. The poverty rate is 6.1% — low. There are about 9,651 housing units across 95405.

On balance 95405 is mixed, rewarding parcel-by-parcel screening over broad assumptions. There is no property file for 95405 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 95405 runs through one identical public-record model, so its 21/100 sits on the same scale as every other ZIP in Sonoma County, California and the nation. The score is rebuilt from public data as it updates, so 95405 reflects the current record instead of a stale or modeled snapshot.

The 21/100 figure for 95405 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. Treat 95405 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.