ZIP 95409 Property Distress & Foreclosure Data

ZIP code 95409 in Sonoma County, California carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (88/100). On the structural side it scores 47/100, with 3/100 of stress already active. What sets it apart are the readings on structural risk (47/100), institutional ownership (20/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and construction/permit lag (1/100) register low.

The market reads peak — home values held roughly flat year on year, and 6% higher over three years (phase confidence 20/100). Topping markets hide individual distress behind strong averages.

The poverty rate is 5.9% — low. Around 50% of adults hold a bachelor's degree or higher. At $105,736, median income runs above typical U.S. levels. The ZIP holds roughly 12,280 housing units. Around 45% of renters are cost-burdened. The demographic-stress sub-score lands at 40/100. About 25,960 people live here, median age 52. The vacancy rate is 6.5%. 68% of housing is owner-occupied. The typical home is worth about $802,000 (7.6× income, severely stretched).

Net-net, 95409 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.